(Illustration by Alla Dreyvitser/The Washington Post)

Last year, an organization called Wealth-X — “the world’s leading ultra-high net-worth (UHNW) intelligence and prospecting firm” — issued a report from its lair in Singapore about what it calls “the looming wave of wealth transfers.”

Baby boomers are expected to play their part by succumbing to the looming wave of death — the Greatest Degeneration — and bequeathing some $16 trillion to their children over the next three decades. For princes and princesses of American aristocracy, these bittersweet transactions hold little suspense. But for
upper-middle-class Americans balancing mortgage payments, tuition bills and retirement plans on a brittle tower of monthly paychecks, this bounty looms with the promise of salvation.

If you find yourself overanticipating such financial relief, take a break from the death watch to read Cynthia D’Aprix Sweeney’s debut novel, “The Nest,” a comedy of filial greed and affection. Here, in scenes both witty and tragic, is a warning about what comes of waiting for inherited affluence.

Actress Ellie Kemper, "Transparent" creator Jill Soloway and other celebrities are featured in the book trailer for Cynthia D’Aprix Sweeney’s debut novel, "The Nest." (EccoBooks)

The story revolves around the four Plumb siblings who have built their adult lives on the promise of a trust fund set up by their late father. (He was a chemist who made a fortune on diapers and feminine hygiene products at “the Dawn of the Absorbency Revolution.”) The money he left behind — the nest — was intended only to be a “soupçon, a little something to sit atop their own, inevitable financial achievements,” but a funny thing happened on the way to responsible parenting: While the nest grew into a vast fortune, the Plumb children accrued vast debts, knowing that when their little sister, Melody, turned 40, the vault would open and their bills, debts and mortgages would all be washed away.

Certified financial advisers use a technical phrase to describe this plan: Counting Your Chickens Before They Hatch. Sure enough, we meet the Plumbs just as their eggs are about to be smashed. “The Nest” opens with a prologue in which handsome, chronically irresponsible Leo Plumb abandons his wife at a party, seduces a teenage waitress and totals his car during a sex act. Medical bills, legal fees and hush money effectively drain the nest from its once-impressive volume back down to a soupcon. Leo’s siblings are apoplectic.


Author Cynthia D’Aprix Sweeney. (Lisa Whiteman)

Sweeney, a 55-year-old New Yorker who now lives in Los Angeles, knows these people well, and she captures them in short scenes that glow with the confidence of an experienced comic writer. A look back at pre-crash Leo shows him as the founder of a Gawker-like website that vomits up clickbait to keep advertisers swooning. After cashing out, “he’d gone for long walks and taught himself all about single-barrel whiskey. He read, quietly resenting anything he deemed good. He spent months designing a custom bike that he never rode.” If that’s not the voice of a wealthy layabout, it’s the voice of someone who has been eavesdropping on them for years.

The novel has just as much fun with the rest of these prodigal siblings, who insist in rising tones of panic that Leo replenish their exhausted trust fund posthaste. We meet Leo’s brother, Jack, in the Campbell Apartment tavern in Grand Central as he’s “sending his drink back because he believed the mint hadn’t really been muddled. ‘It was just dumped in there as if it were a garnish, not an ingredient.’ ” Their sister Bea is a chronically blocked writer who fears “the happy glimmer of recognition” in everyone she meets; she knows how quickly that look will decay into “the confused brow . . . trying to summon a recent memory of her work, anything other than her early long-ago stories.” Their little sister, Melody, is so manically determined to create the perfect home for her children that she “charted the time spent with each child, making sure to even it out as far as was humanly possible.”

These Plumb siblings allow Sweeney to cover the four corners of domestic comedy: gay, single, married, divorced. And their various professions — from antique dealing to Web publishing — have been cleverly chosen to emphasize lives of anxious mythmaking.


The cover of “The Nest,” by Cynthia D'Aprix Sweeney. (Ecco)

Yes, these are the neurotic New Yorkers that New Yorkers love to read about — Aren’t we bad? We are so bad! — and Sweeney’s debut arrives on a velvet cushion of pre-pub praise (Amy Poehler! Elizabeth Gilbert!) and reports of at least a $1 million advance. But that’s no reason to turn up your nose. (HBO, if you’re not considering a TV version, why not?) For all the acerbic humor that Sweeney wrings from this family’s self-absorption, she maintains a refreshing balance of tenderness. Rather than skewering the Plumbs to death, she pokes them, as though probing to find the humanity beneath their cynical crust. And because we need some relief from the Plumbs — lest they grow intolerably annoying — the book expands to explore their far more mature friends, relations and victims.

Everybody knows never to mix money and family, which is great advice for anyone who has plenty of money and no family, but Sweeney is writing for the rest of us. As one of the Plumb in-laws thinks, “If only they could stop gnawing the worn and brittle cartilage of The Nest — maybe they could move on, try to forge relationships with one another that weren’t about that blasted inheritance.”

Maybe.

It’s a risk, of course, but watching them try is a good investment.

Ron Charles is the editor of Book World. You can follow him on Twitter @RonCharles.

The Nest

By Cynthia D’Aprix Sweeney

Ecco. 368 pp. $26.99