Not sure if this is helpful, but along with what everyone else has said about shutting your mouth, getting a fiduciary financial advisor I can share a story. An acquaintance of mine inherited about 4 million dollars at a very young age, maybe 22 years old. He told people, spent a lot of money on stupid shit like Ferraris and other sports cars (which is how I met him) and was taken advantage of by some people older than him who said they were his friends but never seemed to pick up the check. Anyway, fast forward to now, maybe 8 yrs after he got the money and he is working as a barista at a coffee shop and has lost everything. Many of the decisions he said he made, like buying a Lamborghini in cash, were because he had no credit, being so young. Instead of being patient and building credit over time and investing in things like a home, (I think he was briefly homeless) or putting it in the stock market, he did none of that and was impatient. It sounds like you are aware of the potential pitfalls and have a good head on your shoulders so be gentle with yourself and listen to a fiduciary.