Although Baby Boomers may think a large inheritance will boost their retirement savings - with an estimated $45 trillion to be bequeathed over the next five years - they may be sorely disappointed, The Wall Street Journal reports.

About 64% of those who are, indeed, inheriting large sums of $100,000 or more are already well off, according to AARP. In fact, the average inheritance Baby Boomers have received to date is a mere $48,000.

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