My recently departed Mother was a real piece of work when it came to money . She got a settlement from one of those class action lawsuits against a drug company and received about 80k over a period of 3 yrs . She spent money like a drunken sailor on shore leave . We were worried that she would need money to pay for long term care , etc. and there would be nothing left . We convinced her to stash some money in a savings account and NOT TOUCH IT . She spent most of the money she had in her other accounts and was starting to hint that she needed some of stash . By that time she was getting up in age and Nursing Home care was starting to enter the picture so her spending slowed a bit . We were convinced she wanted to spend it all so my sister and I wouldn't get any of it . Yeah , she was like that .