That is not entirely surprizing. As a lot of business was transacted without actual cash at that time, it might take a man a while to amass enough to pay even a small debt. Wills are interesting and can tell us a lot about society at the time they are written and probated. Older children were often provided for when they married, boys with a piece of land, girls with a dowry. Those still at home were left something to provide for them for future marriages or just so they would not be completely destitute. It should be interesting reading, and you will probably find some of those forty pages are lists and legal speak that can be skimmed fairly quickly.