You too could die with riches in your accounts if you act like Kathleen Magowan. Get a CFO executive dad, inherit a house from your parents and live in it without modification, live frugally, work every day, never have a partner or children, get a financially savvy sibling to invest for you.
She seems like a nice lady, I think its good to be sensible but having a family, spending some money to enjoy life while you're here is a better strategy imo.
http://www.courant.com/news/connecticut/hc-simsbury-milliona...