In this episode of The 10 Talent Life, Nicholas Irving sits down with his father Alan Irving (Irving Financial Group) to dig into a question most families never think to ask: does the timing of wealth transfer matter as much as the amount?

Alan walks through why the culturally accepted path (accumulate, preserve, pass at death) quietly kills multi-generational wealth. When recipients are 60 or 65 and already in preservation mode, even a substantial inheritance tends to be consumed, not multiplied. He unpacks the difference between seed money and feed money, why gift vs. investment is defined by the expectation of multiplication, and why focusing on one generation at a time is more powerful than trying to set up a trust for the grandkids.

The conversation gets practical: what does it look like to keep a business as a “goose that lays g ...