Poker table with chips and cards. 

For example, some people who get rich from an IPO spend it on the expensive homes and cars they could only dream about before the IPO.When I worked as a contractor at the chip company Broadcom, the technical publications manager would tell us some zinger stories every time she visited us at its Northern California facilities.

I had been thinking for the last year plus that this house was the one on my block that met the perfect "driving for dollars" criteria- yard never kept up, weeds growing from gutters, chipping paint, etc.  

Now I'm left with small chips in the patio.

It extended the life of a crappy abused laminate countertop that had chips and burns on it for another 2 years and running for $100 out of pocket.

For example if the inheritance is in the form of a diversified stock portfolio consisting of blue chip stocks being managed by a trusted brokerage, she should leave it there and if anything divert dividend payments only to other investment vehicles she prefers or to pay off high interest debt, but not touch the principle.

You are beginning to sound like a Poker player that keeps adding chips to a pot, looking at 2 Aces and a King, thinking the odds are with him drawing another Ace. 

Been doing it for many years, way before Robinhood and all the "meme stocks" lol I mostly invest in blue-chips, and only a small % in speculative assets.

When our neighborhoods are deteriorating or just plain unsightly with overgrown weeds, cracked sidewalks and chipping paint, it's deeply satisfying to buy these run down eyesores and turn them into beautiful productive homes that people can be proud to raise their family in.

I would keep doing what you're doing and let the chips fall where they may.