People who come into sudden money will tend to lose it because they lack experience managing that much money and spend it too fast, not because they didn't do "

People who come into sudden money will tend to lose it because they lack experience managing that much money and spend it too fast, not because they didn't do "real work" to preserve it. Maintaining wealth requires understanding and discipline, but the amount of "work" required is minimal. Essentially, all you have to do is not spend too much, which is fairly easy when "too much" means "any more than 10x the average salary".