Filby argues that we are no longer living in meritocracy, where hard work and education shape life chances, we are in an inheritocracy, where family wealth makes the biggest difference. She uses her own story to show how the Bank of Mum and Dad quietly shapes everything: education, housing, careers, even relationships. It is a modern taboo, but she says we need to talk about it because trillions in wealth are being passed down, and not everyone is getting a share. The book mixes memoir with sharp analysis, showing how inheritance is reshaping class, care and opportunity in Britain. Her message is clear, if we want a fairer future, we have to stop pretending family money does not matter.