if i were old and had a million dollars, i would not know what to do with it. If I had to live off of it, I’d just be too nervous. personally, I plan to never retire. then you don’t have to worry about whether you have enough to retire. I definitely wouldnt buy my kid a house. I would like to live with my kids though. I bet I could easily be talked into a group living situation that made sense. hell, I’d probably pay the whole thing. rent the s.d. house, move into giant temecula house, pay the mortgage with the scripps rent, you buy the food. i wouldn’t feel taken advantage of in that scenario if I’m the parent. hell, i’d be kinda happy. I definitely would never trust any investment advisor whatsoever. No one. Everyone is an idiot. Anyone who professes to know does not know. the only person who can allocate your monies is you. that’s my personal opinion.