Cover of Trillions in Motion. Millions at Risk. What Everyone Gets Wrong About the Silver Tsunami, by Dustin Rippetoe, with Hokusai's Great Wave through a torn-paper band

By Dustin Rippetoe · Coming in 2027

The Silver Tsunami is not coming. It is here.

We've spent decades forecasting the largest generational wealth transfer in history.

But the money is only one part of the story.

Work. Housing. Healthcare. Business ownership. Inheritance. Emerging markets. New opportunities. New responsibilities.

The risks and possibilities are unfolding together, often in places nobody thought to look.

Each has its own experts, forecasts, and assumptions.

What happens when all of them collide?

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Look closer.

$124 trillion¹Wealth projected to transfer through 2048

The largest wealth transfer in history is not the same as the largest creation of prosperity.

More than half of that wealth is projected to come from just 2% of households. Trillions will change hands. That tells us remarkably little about how broadly the benefits—or the burdens—will be distributed.

4.1 million²Americans turning 65 annually, approximately, from 2024 through 2027

You can postpone retirement. You cannot postpone aging.

Turning 65 doesn't mean retiring. But demographic change continues whether families, employers, markets, and institutions are prepared or not.

$1.01 trillion annually³Estimated economic value of unpaid family caregiving in 2024

The wealth is projected to transfer. The work is already being done.

Families provided 49.5 billion hours of care for adults in a single year. The estimated value of that labor exceeded $1 trillion. Much of it never appears on a paycheck, even as its consequences reach into careers, household finances, and entire communities.

Be part of the investigation.

Trillions in Motion. Millions at Risk. will go beyond the printed page.

The investigation draws on a practice of building and using calculators, analytical models, and decision tools every day. The interactive edition brings that same approach to readers.

Explore the assumptions behind trillion-dollar forecasts. Calculate the hidden economics of caregiving. Test longevity scenarios. Examine how demographic changes ripple through families, businesses, and communities.

Don't just read the projections. Change the assumptions and see what happens.

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A coupon for complimentary access when the web-based edition launches, featuring calculators, analytical models, interviews, video, research, and personal note-taking. A downloadable PDF will also be included.

Exclusive printed book discount

A substantial discount on the traditional edition when purchasing becomes available.

Community access

An invitation to join readers, researchers, professionals, and people experiencing the Silver Tsunami firsthand. Compare perspectives, contribute experiences, and participate in the investigation.

These benefits are reserved for prelaunch subscribers.

About the author

“We have forecasts for the wealth, retirement, healthcare, housing, and labor. Each tells us part of the story. But who's accounting for what happens when all of it changes at once?”
Dustin Rippetoe

Dustin Rippetoe has spent his career across the full lifecycle of business ownership—from retail to enterprise, building and operating businesses, advising owners, and navigating sales.

That experience offers a firsthand view of what happens when wealth, ownership, and opportunity change hands.

His investigation in Trillions in Motion. Millions at Risk. extends across generations, examining the fortunes changing hands, the businesses and markets opening up, the opportunities being created, and the responsibilities being transferred—often in ways our forecasts fail to capture.

The largest generational transition in history won't just change who holds the wealth.

It will change who holds the opportunity.

And who bears the cost.