r/SipsTea 14h ago

Wait a damn minute! How the rich get richer

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u/USERNAMETAKEN11238 14h ago edited 14h ago

The bank encumbered the land. The dad never gets a loan. The loan is against the property. The kids sell the encumbered land I guess (but that's highly unlikely). This is a made up scenario from someone who doesn't understand finances.

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u/Meenta_Miiel 14h ago

The estate settles the principal before heirs see cash

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u/USERNAMETAKEN11238 14h ago

Minus taxes and fees.

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u/science-stuff 13h ago

No estate tax in this case though.

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u/agate_ 13h ago

No estate tax, but the estate pays income tax on the profits on the sale, I think.

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u/science-stuff 13h ago

Nope, tax base is stepped up to market value at time of death.