Why do I feel ashamed and like a fraud about wealth I haven't even received yet?

Because anticipating wealth produces a complicated cocktail of emotions almost nobody talks about. Kris Kluver, in The Dysfunctional Family Office, names it directly. Heirs feel shame, impostor syndrome, and unintended pressures even before the money has changed hands. You know you'll inherit. You don't yet know who you'll become. You don't know what you actually want, separate from what your parents wanted for you. You can't talk about it openly because it sounds entitled to anyone outside the family. The shame and impostor syndrome aren't about inadequacy. They're about isolation. Most rising generation members carry these feelings silently for years. Naming them out loud, with someone who has been through the same thing, breaks the pattern. The feelings don't fully disappear, but they stop running the show.