That said, if I was being fiscally responsible, I'd be reloading my own ammo more often. :/
Time valuation. Over a certain income level, it literally makes sense for somebody like a brain surgeon to employ an agent to take care of his bills, take the car in for maintenance, have groceries delivered, etc...
If you don't like making ammo, it's an expense, not income.
Fools and their money are soon parted. It really doesn't matter how much money they start with. The more money they have, the bigger target they have painted on their back.
I've said before that wealth often has more to do with spending habits than income. You have Janitors making near minimum wage who die and leave over a million to the university they worked a lifetime at. You have brain surgeons living a lower-middle class lifestyle because their spending habits are so horrible.
Take somebody who wins the lottery, say, $100m. They then don't buy a home, they get a loan for a $100M ultra-mansion paying 30% because they were and still are horrible credit subprime, despite the infusion of capital.
If they bought a relatively *modest* place, cash up front, for the down payment on the gold shithouse, they get a *nice house* that's still better than anything they've ever had, and they actually have a chance at keeping it.
I don't really play the lottery, but if I won a million or so and up, I'm hiring an accounting firm*, not some 'financial guru'. Of the after-tax monies, 90% or so goes into investments, 10% towards either paying off my house or moving if the prize is large enough.
*less likely to bilk me, even if their normal rates are probably a bit higher.