There’s a version of coming into money that looks a certain way in films — the wardrobe upgrade, the car, the restaurant instead of the canteen. And then there are the actual decisions people make. Some people put it all toward a foundation for the next decade and change absolutely nothing about their daily life. Some use it to become a lawyer. Some discover that the expensive car is more trouble than it’s worth.
These 13 stories about money and the happiness that comes from finally having enough prove that the most interesting thing about a windfall is never the amount — it’s what people decide it means.
- Not long ago, my skills brought me to a certain “peak” in my field of work. That opened up entirely new opportunities.
And even though my income has increased tremendously, I’ve consciously chosen not to change my lifestyle. I rent the same fairly comfortable apartment, eat the same foods — almost nothing has changed, aside from being able to occasionally treat myself and enjoy a delicious meal.
Right now, my main goal is to build a solid foundation for the future, so that in 10 years I can do whatever I want, take on any job that interests me, knowing I have a monthly financial cushion for living expenses, my family, and everything else.
- I’m 21 and I work. Since I was 13, my parents had been setting aside money to help me buy a place of my own. But recently, my grandfather passed away, and I inherited his apartment. I did some simple renovations myself, and I really love living there.
When I went to visit my parents, I suggested that they keep most of the money and use the rest to buy me a car. But they said they had already spent all of it on a month-long trip to the Maldives and were leaving in 3 days.
- A guy I know came into a big inheritance. We joked that we’d never see him at our cafeteria again.
A month later, I ran into him: same beat-up jacket, grocery bag in hand. I asked, “So, did you at least buy yourself something?” He pulled out his phone and showed me a photo of his mom holding the keys to an apartment.
Turns out the first thing he did was buy a place for his mom, who’d been renting a tiny one-bedroom for 20 years. And for himself? New sneakers. On sale.
Got promoted today, thought I should treat myself!
- My grandma left me a substantial sum of money, on the condition that I wouldn’t tell the rest of the family about it.
My family is pretty unusual — we’ve never been able to coexist peacefully. But Grandma loved me more than anyone else, and I loved her just as much. The other relatives searched her country house and even dug up the entire vegetable garden, hoping to find a hidden treasure.
For the past 2 years, I’ve been pretending that I’m just as puzzled about where the money went. I tell them I’m renting an apartment, while I actually live in my own place — and I don’t regret a thing.
- Even with a good income, I still live frugally. I still check prices in stores and have a hard time making myself buy something that, in my opinion, costs more than it should. I’ve never flown business class, it seems unnecessary to me.
I usually travel somewhere by the sea or ocean 3–4 times a year, but even then, I rarely choose truly upscale hotels or spend money freely. I don’t own designer clothes, and I have a basic phone. I invest my money in real estate.
I come from a very poor family, and although I’ve been earning well for a long time and my career and income have been steadily growing, I always feel like it’s some kind of mistake and that all of this could disappear tomorrow.
- When my net worth was 1 million, I bought an expensive car. It was fun, but not worth the headache and maintenance costs, and I traded it in for a used SUV, as it works every day without the check engine light coming on.
After that experience, the desire to buy a fancy car is completely gone, as it’s just too much headache and wasted money. The money savings can buy things I enjoy more, like more vacations/first class seats on long trips.
I inherited all these pieces of jewelry from my grandmother. I never could have imagined I would receive a ring with 27 natural rubies or a ring featuring a Colombian emerald surrounded by diamonds.
- Once I became wealthy, I started seeing money as a means, not an end. For most of my life the goal was to save and invest money, mainly due to the lack of security. Then I reached a point where I realized I will basically never run out of money.
Now when I see a problem the first question I ask myself is how can I use money to solve this? Which basically means hiring someone or buying some kind of solution.
I don’t splurge and I’m not flashy at all, but I never skimp on quality. I respect people and companies who do quality work, and I gladly pay the price to support them. I want things that last, that do the job, that can be repaired, and that come with great service.
- My parents didn’t pay for my university tuition and apartment, so after high school I was on my own. Recently, my father received big money from my grandmother — she’s perfectly fine, she simply sold her country house.
He paid off loans, bought new cars for himself and my mom, and got a new phone. I didn’t receive anything from those funds. Even though I’ve done everything “right” my whole life: I studied well, graduated from college, got married, and have a job.
I stay in regular contact with my parents, and we have a good relationship. At every family celebration, my relatives nod sympathetically, saying how hard it is for young people these days to buy an apartment.
After leaving a miserable job, I got a higher-paying one. Then received a promotion and bought myself a ring which I’d had my eye on for quite a while!
- I inherited $100k from my mom when she passed away 15 years ago. It was life changing. I spent 40k renovating my bathroom and kitchen in my 100-year-old house, and the other 60k on law school tuition.
I would have never gone to law school if it weren’t for the inheritance. I just wouldn’t be able to take on that kind of debt. I make way more money now than I did pre-inheritance when I was just a lowly claims adjuster.
- We inherited a substantial amount of money recently. We knew there was an inheritance coming, but it was easily 3 times what we thought it was.
My day-to-day life didn’t change. I still work, same job, as does my husband. Everything is the same — except relief when thinking about the future, which is huge.
We took half and put it in an account for our kids — their college, grad school, etc. are completely paid for. We then took the other half and hired an advisor we know well to invest it for our retirement. The plan is to park it until we both stop working, still decades away.
We also cut big checks to our beloved niece (for school in the future) and 2 charities that are close to our hearts. The thought that our future is secure is breathtakingly amazing.
- 5 years ago, I was a completely different person — I lived in another city, took the bus, and cut back on food to save money. Now I’m 27 with a high salary. I’m single, and live with my parents.
The thing is, recently I realized that I stopped respecting the value of money and started to spend lavishly since I don’t have any commitments. It goes to the extent that in some months my bank account gets washed out at month end.
I mostly spend on eating out, movies, games, gadgets, and needs. Sometimes I order something online, then find out I bought the wrong size or model, but I don’t even bother sending it back and casually think, “Oh well, it wasn’t that expensive anyway.”
There was a time when I couldn’t even imagine I’d be successful enough to buy myself a designer bag with my bonus.
- I recently landed a job at a tech company and now I’m making genuinely serious money, but I live exactly the same way I always have. I only own 4 pairs of pants and 7 shirts, and just wash them and rewear them.
The last time I paid for a haircut was about 5 years ago. Since then, I’ve been cutting my own hair at home. I buy groceries and cook for myself. I wear the watch I got from my father. You get the idea — I only spend money on the essentials. Still, I did make a couple of big purchases: a decent TV and a computer.
Oh, and one more thing — I threw myself a birthday party for the first time, invited my friends, and paid for everything myself. That was a really great experience, but I definitely felt panicked when I looked at how much I had spent.
- I grew up in a low-income family, so we had to be very frugal. My first job paid very little, and I continued saving money.
Then I changed jobs, and my salary nearly doubled. That’s when I decided to treat myself: an expensive phone, a large monitor, a TV, a high-end graphics card, and so on. I got carried away, and my money started running low.
Since then, I’ve become more thoughtful about buying new things. If I’m going to use something often, I try to buy a high-quality, more expensive option within my budget. If I’ll only use it occasionally, I look for more affordable alternatives.
If you’ve had a moment — big or small — where you had more money than expected and had to decide what to do with it, the comments are open.