My point is rather, if she had invested all her money back then and if she never used any of it she would have a similar amount of money now without insider tra

My point is rather, if she had invested all her money back then and if she never used any of it she would have a similar amount of money now without insider trading. Most people don't lump sum in the market like that, it probably ignores the taxes she would have to pay if she took the money out now, and most people use some of the money in the meantime. I'm just saying if you lived a good lifestyle, the money is already mostly taxed, and you didn't invest everything all-at-once, and you still have the amount of money you would get with lump-sum and never touch S&P, you're doing far far better than the market.