Having worked with people and their money for the last 35 years is a real eyeopener.

Things we notice are those who have incomes over $100,000 and don't give anything to charity; People who are working stiffs who've accumulated over a million in cash and live like paupers; People who spend it all. And usually the spend it alls are happiest unless they're the spend more than they haves. I have a client who worked at a theme park in the photo shop who passed a way last year. Minimum wage job. We just distributed $1.5 million to her heirs in a trust. Never travelled; lived in a very small condo with thrift shop furnishings and never travelled. Left half her estate to Charity, never had children.