I know this person on Facebook, and in person. Married, did the typical thing of not using her degree and staying home with kids while he had successful career. A bad divorce, and husband, though an absentee type father with little no interest in taking care of their kids, successfully sued for 50% custody so he could avoid child support (has his new girlfriend watch the kids). Instead of alimony got a large lump sum. So while I sympathize with her situation (lots of choice words I would use to describe her husband), don't understand her thought process. If I was in her situation, would be freaking out and butt in gear. First couple years, did nothing, just lived off that money. bought a house but retained a large heloc (which she can also draw on). And credit cards. Just this fall started going back to school. Essentially other than that lump sum, has no income, and tuition bills, until graduates in 1-2 years and gets a job in that field. Continues to live life as usual, going out to eat, hosting get togethers, and even though bitterly complaining about her financially precarious situation, was driving a new Lexus (with the car payments to match). Recently her heloc got abruptly closed due to debt/asset ratio, and had to use lump sum to pay off heloc, so no lump sum, just (cc and tuition) debt. I asked if she was going to maybe not keep new car based on new situation, and she said "heck no, I love my new car! I get 44 miles to the gallon!".