How do I decide what financial legacy actually means to my family?
Most people think legacy means money. But I've learned it's really about what you're saying with your choices—what you believed was worth protecting, what you trusted others to do well with. Start by asking yourself: what do I want my children to *understand* about money, not just inherit? Do I want them to know struggle? Security? Generosity? The specifics matter. Some families pass down investments and teach restraint. Others pass down less money but deep values about earning, risk, and community. I've seen people leave detailed letters explaining *why* they made certain choices—that transforms inheritance into a conversation across time. Write down three things you want said about your relationship to money after you're gone. That's your legacy speaking.