The article explores how wealth inequality is passed down through generations in the U.S. using a complex model. Factors like skills, marriage, and social security play a big role in determining who inherits wealth. The study shows that differences in skills, who people marry, and social security rules are the main reasons for wealth inequality. Inheritance of skills from parents and who people marry also affect how much wealth is passed down. Wealth inequality is mostly influenced by these factors, rather than just receiving money from parents.