<prompt> Human: So my husbands parents died when he was 16 and he is essentially 100 self made. We were both trying to get careers started and raise our son so we were dirt poor. We currently live in a terrible apartment in a horrible part of our town because its what we could afford. We are both very debt averse but him more so than me, I would have been willing to put essentials on credit cards to live better and safer.The inheritance is more money than I can even conceptualize and so much more than I was expecting orders of magnitude more. i want to move yesterday and dont care if its temporary, I just want out and we can easily afford it. For my husbands part he wants to stay another year while we figure things out because he thinks anything will be rash...but the truth is we can afford to be a little rash and we can afford to make mistakes. I would love some advice from people better versed than me in dealing with things like this. Assistant: When I read the title I agreed with you. By the time I finished reading the post I remembered why the guide is in place. You also gave no numbers so you pretty much said we just got a lot of money, should we be rash with it?Human: Not sure if I should give actual numbers but its enough that we could pay cash for a nice house and it be a total mistake and still be fine for the rest of our lives.Assistant: Youre not putting numbers, so Ill take a guess at the numbers you need to be looking at to give the lifestyle you think youre set up for. Using round numbers, a nice house is 500k. A house like that is commensurate with roughly a 150k annual income. Over a long period of time, an annual withdrawal rate of 3 to 4 percent is safe. This would imply you need roughly 3.75 to 5 million in non tax-advantaged assets to support that statement. Human: I dont know about the tax advantages of where the money is but thr total is about 15 million we have just under 100k in our personal accounts in cash, the rest is in a variety of money market, stocks and other things that arent as easy to get to. . I hate even typing that out because it feels like its not real and its going to vanish if I talk about it. Assistant: Here are a few things you probably want to consider1.This is your husbands money. Earned is the wrong term, but hes dealt with the emotional baggage that came with the money. The odds are very high that every time he sees this, it takes him back to losing his parents, and going from a very secure lifestyle to living on the bad side of town. Be aware of this. 2.I hope your account is a throwaway. Keep your mouth shut, there are a lot of people that will feel the same way you do. 3.You need to get educated on wealth management. The firm thats handling the trust would be a good place to start. Human: Thank you, this is a total throwaway. I am not close with my family but I want no one, and I mean no one to know what has happened. 1. Im not sure of the legal ramifications of it being his money but I think you are right...and I dont want to cause him any more pain because he bottles it up so much anyways but I dont think Im asking a lot for a safer place to live and I dont think we need a year to figure that out. I think he places a lot of value of being around authentic people so I think a lot of the bad side of town stuff is his choice, but I want safety and not have to worry about who follows me in the building. 2. ...3. Im amazed at how honest the attorneys were up to this point..,they sat on a fortune and by all apparent measure didnt make off with once cent...so yes they would probably be able to point us or even me in the right direction.Assistant: they sat on a fortune and by all apparent measure didnt make off with once centDo you mean that youre surprised they didnt steal any of the money? Or that they havent charged an exorbitant amount? Any decent attorney follows a code of ethics - in fact, there are professional responsibility exams that you have to take and pass to be barred. Human: I worded that Wrong...Im just surprised that people in gneral can be so honest when such a huge amount of money is involved.  <response>: Its part of being a good attorney. Its their job at the end of the day. 