The Great Wealth Transfer is reshaping women's finances. JP Morgan data reveals 63% of women 61+ already inherited assets, with Gen X (45%) and younger generations (39%) expecting their share of the $124 trillion wealth wave through 2048.

Here's what women actually do with inherited money:
- 45% invest it for growth
- 43% eliminate debt (smart move)
- 41% fund experiences/travel
- 33% support family networks
- 28% give to charity

The playbook? Split your windfall into two buckets: short-term cash for debts, emergency funds, and 9-18 month goals (car, vacation, home upgrades), and long-term funds for investments, retirement, or wealth building.

Key insight: Higher interest debt should be priority numero uno—the interest you save often beats investment returns. And diversification beats YOLO moves every time.

The real move? Don't rush. Work with an advisor to align the inheritance with your actual life goals, not just reflexively invest or spend it. This money is a blueprint for the future, not a lottery ticket.