What has to break before my family is actually willing to do things differently?

Most families don't change patterns until pain forces them to. The first generation builds. The second tolerates. The third loses it all. The breaking point can be a failed succession announcement, a divorce, a lost client, an addicted heir, or a family meeting that ends in shouting. Kris Kluver writes that 70 percent of wealthy families lose their wealth by the second generation, mostly because nothing forced them to have the hard conversations earlier. The remaining 30 percent are the families that didn't wait. They had the conversations before the breaking point arrived. Doing the work voluntarily is harder. Watching the breaking point come and not having done the work is much worse.