Wow. When are you going to inject some reality into your assinine post?
That guy or gal who is receiving 250 000k (pretty much the max) is also going to be minus about 4 limbs. That means, he or she is purchasing himself a specialized vehicle (as a necessity with some of that initial payout) and will also be hiring staff to look after him each month and other staff to go out and manage all those apartments he is leasing out to all those tenants that he isn't able to go collect rent cheques from, to do the repairing of appliances, to do the maintenance and upkeep (lawn, snow removal etc), landlording on his behalf.
12k a month doesn't pay for too many staff ... it certainly won't be 12k a month in his/her own bank account --- especially after he contributes to their UIC, pension plan etc as their "employer". He's actually be going into the hole (ie: the financial red) every month.
I suggest that you also require some financial planning courses if you suggest that your "obvious" suggestion that these troops just don't "listen to the advice they're given" (especially from "planners" such as yourself with "plans" like you've just suggested) are the ones behaving like kids who need to be taken by the hand.
That's my own HO of course.
