comment: >
  
  Hope she abandons gambling immediately.
context: Congrats on winning life. We don't pay taxes on it either so she gets the whole thing. >
  
  Keep 5 million for herself.   $43M in an index fund with monthly dividends would give her a guaranteed  $125k per month after capital gains taxes at a guaranteed and secure 3.75%. (Post management fees)
  This ensures she does not mismanage her money and more importantly locks her funds away from moochers. >
  
  Do you really think she could live on 125k/month? She might need to get a part-time job just to be safe. >
  
  Lol.   I figured a half million extra a year to be safe… you never know with how grocery prices are trending. >
  
  At 125k per month, that's over a million per year. Unless you are taking 50% off for taxes each year, which seems high. >
  
  43M at 3.75% is 1.6M per year.   
  Actual verifiable rates of return here in Canada are between 3.9 and 4.4% on an monthly dividend paying fund.
  I posted a very conservative return after taxes and fees because the actual returns on that size of an investment is ridiculous. >
  
  Hope she lives a good life and has good people around her.