comment: >
  
  Lol.   I figured a half million extra a year to be safe… you never know with how grocery prices are trending.
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.