The average investment account for seniors has $472,000, which is twice the average level in the United States. According to the latest survey, while 92% of Americans recognize that investing can build wealth, there are significant generational differences:

Digital Comparison:
- Elderly: $472,000
- Generation X: $311,000
- Millennials: $173,000
- Generation Z: Only $32,000

Interestingly, older adults are the last to start investing (averaging 31 years old), while Gen Z has already entered the market at the age of 20. Why can they win? First, they have enough time, and second, they have heavily invested in real estate (86% of older investors believe that real estate is the cornerstone of long-term wealth).

Here's another little-known fact: they are more inclined to use 1031 exchanges as a tax-deferral tool to roll over investments, delaying taxes while investing. This way, when it comes to inheritance, they can further reduce taxes using the stepped-up basis rule. In simple terms, it's about using time + tools + patience to make the snowball grow bigger.