It sounds like you are trying to play God. I was an addict/alcoholic and I got a very big inheritance from my grandfather in 2002. It was a little over 2 million. I have lost about $600,000 of it drinking and drugging it away, and loaning it to others that will not pay me back. It is all part of my karma. I am now 9 months sober, due to the fact that I couldn't take it anymore. I hit my bottom, and woke up. I am now cleaning up my life and my money problems. If it weren't for everything that I have been through, I wouldn't be where I am at today, sober and loving it!