<prompt> Human: I just recently learned this and could have never guessed. My grandparents always lived in a tiny home probably worth 100k, shared one base-model mini van, clipped every coupon, and pinched every penny. Now a widow, my grandma is still frugal as ever.Long ago, my grandpa was an officer at a bank. This I knew. They were much smaller in his time, and as is typical, he was partially compensated with stock options. He paid 16 apiece for some number of shares that has grown to 100k after years of reinvesting. My grandpa has since passed, the bank has grown, and each share is worth about 55 now. Cant argue with that return historically, yet all dividends continue to be reinvested at the market price.My grandpa knew money, and this plan was in place when he passed 6 years ago; part of me feels like Im just missing something. They also had, and have, a financial adviser. Further, I also know its commonplace for officers to hold large stakes in their companies, but Im not so sure about after retirement.Yet, everything Ive learned from my education and line of work in finance is sounding alarms about this. What are your thoughts? Is this not insane?Assistant: Nothing wrong with it. Most of what you learn in finance classes is not applicable to real life ESPECIALLY when it comes to investing. Shes not running a hedge fund so theres no point in diversifying. The real question is, why is she keeping it tied up in stocks? Why isnt she enjoying the money while she still can...Human: Thats what part of me is thinking... although this goes against everything I learned in classes, it seems there has to be some prudence to the investment, or people who know better than I wouldnt have let it continue. As for enjoying the money, nobody can convince her to do so. No cable, no internet, no cars, houses, or vacations; just lots of church and prayers. Shes convinced without reason that shell be dying any day now, and wants to leave it as inheritance to my parentsauntsuncles. I have little stake in this since Ill be too old to give a shit about inheritance by the time both my parents die knock on wood. But obviously Im still concerned about her losing everything, should the bank fold.  <response>: just lots of church and prayers. My wife died last fall. Suddenly almost nothing seems important any more, except for eternity. Im guessing the same is true for your grandma. 