I don't know where to start or what questions to ask, so please bear with me. Where do I start with the following with the end result to benefit my 2 children? What would you do? I started buying properties because I ultimately need a roof over my head and it's safe. I say buying instead of investing because, well, I didn't planned to buy multiple, didn't have a specific goal as to what I would do with it at the end. So reading all the other people saying 'end goal' and 'strategy' - wow. Because I didn't start, nor during the process had specific goals or strategy, I never purposely seek out professional advice, and so each time I saved enough I get wandering eyes and buy another one. Where I learnt most, is probably from here and on Somersoft, just reading and try to understand. Current situation: We have 7 properties (Syd & Mel), total value approx $6.4m, loan balance approx $3.1m, all individual loans: - 2 in husband's name - 1 in joint names - 4 in my name (I am a silent partner with family in another mixed residential/commercial property, if sold my share is probably $200,000 after cap tax). What to do: - Eventually I want each child to have 1 property to themselves, regardless of whether fully paid out or still has some amounts owing. - They could live in it, cash it, or rent it out. I would hope to educate them to make it on their own first, so the property available is to be a backup or a resource to leverage for success if they need it. - I don't want the property or the inheritance go into the wrong hand in case they mixed with the wrong crowd or in a bad relationship. We haven't got a will, but started talking about it couple months ago (Covid19 bring out all the dark thoughts) - We are both 43, wanting to reduce working hours or be semi young-grey nomads but still have many years of working years if we need to reduce the loans further, or acquire more properties. The older child will be 18 in another few months, that and the grey nomad desire, triggered me to want to better manage the above. So, where do I start? and What would you do if this is you?