EHL

HKF, I don't know that you have to be "incredibly" restrained, even if you're in your 20's. I like to think I've met a wide range of 18-35 year olds from all sorts of backgrounds, and I just don't see 60% of them having problems staying in the black with $800K, or in most NBA player's cases, millions. Hilton, for one, is a special case, but even then she's actually a good example of someone with no discipline and (upon a wikipedia search) not even a HS graduate (GED, about as fake as it comes). Like many NBA players she has been pampered, acquiesced to at her every whim by those around her. This is assuming that 60% stat is accurate, which it might not be of course.