Look at all the lottery winners who lost it all in a few short years. I have seen people go through $100,00's in short order after inheriting it. My wife saw a family go through $ millions in less than 10 years after a lottery win. There is a reason wealth stays in families. Finances is mostly a skill passed down generationally. It helps if you have backing from the family when you start out in life, but you have to know how to keep it and grow it.