I don't have a helpful reply, but wanted to say I have the same problem. The money from the first generation disappeared when I started the second generation; and they're money was gone when I started the third generation. I didn't realize that shouldn't happen, but I did wonder how one ever got enough coins to perform the costly upgrades to the house! Unfortunately, the third generation died without having children, So I had to adopt a new peep, and she and her husband also both grew old and died childless. I'm not sure if the money in these instances should remain with the new peeps since they're not heirs, but now I'm on my fifth "generation", and since they're not heirs either, there was no money when I had to adopt again. Thus far they have more money than the previous generations, but still not enough to buy upgrades for the house (can't seem to get above 4500 coins). Now they're aging and it looks like they may remain childless as well! How can the house ever be finished if no coins ever carry forward? Should coins carry forward even if there is no offspring to inherit it?