Where would you be, Brian, if you had not inherited daddy's money? Homeless is a good guess...
I graduated college with a 4 year degree in Finance. I then volunteered for the Infantry then I moved to NYC. I worked on Wall Street and earned my CFA all before I inherited a penny. I am now going to go back and get a Law Degree.
If I had not inherited money, I may have not taken a decade off work to Kitesurf. I would probably be at Director level at a Bank somewhere like the rest of my former colleagues. But that is ok I am going back to Law School now the Law is more interesting to me than accounting/finance anyway something new and different.
How many people get to enjoy life in Maui in their 30s? There is plenty of time to work in this life.