Financial legacy is not simply the assets that transfer at death — it is the economic habits, beliefs, and patterns that children absorb over a lifetime of watching how money is held, used, and talked about. The person who leaves a significant inheritance alongside a model of anxious acquisition may leave a more damaging legacy than they intended. What you build financially is less important than what you demonstrate about why you built it and what you believed it was for.
Each step builds on the last.