The reason why ppl that win the lottery or blow large inheritances is that they never learned the principles of making money in the first place. It’s easy to spend money, any moron can do that. It’s much harder to make it, keep it, and grow it. One has to go thru this process to be safe, otherwise they will be back at their retail job before they know it. The richest man in Babylon spells this out, but it’s common sense.