Don’t inherit liabilities

I’m 47, and thinking about midlife. I have this precautionary statement on repeat: Don’t inherit liabilities. Work toward reversing any “issues” that trend toward liability. Because where do I want to be in a decade? What will have made all the difference at 57, which happens to be when my youngest turns 18. What then? I’m preoccupied with that question (and acting accordingly). That sums up the reason “why” I’m choosing to post here, and will be documenting and unpacking around this topic.