I don’t know if this fits, but my ex had a friend who inherited a million dollars in cash and near-cash assets when his only parent died and he was 20 years old.
Now, you aren’t just going to retire at 20 on a million bucks but it’s a great way to pay for college, maybe buy a car and a down payment on a house, and save/invest the rest. Basically, it’s a really good way to start your adult life and nearly ensure you’ll be quite wealthy in your later years.
Did he do any of that? Nope. Bought himself a ridiculous luxury car, bought cars for his friends, bought wardrobes of designer clothes, threw huge parties repeatedly, etc. Ended up broke in two or three years and went back to waiting tables to make rent. Sad to see.