"The downer in all this is …I’m an 82 year old male and of all the 82 year old males in the US…half of us will be dead in 6 years so being 87 with a million bucks means I’m just going to give it away anyway."
So, you are now gambling against yourself, and will doubtless employ the same excuse as WATTS; You did it for the grandkids. BTW, with uncanny accuracy actuaries know when the average of a million people will die, but have no idea about any one of them. And they bet real money on that. Here is the punch line, you heard it here: They are about to be replaced by AI.....