Dont allow advisors to take charge of money as they will make money and you might not.
Do not buy annuities. I have managed to keep a lot of money managing it myself. I now have a lot more than i had when working and i have nice holidays and cars.
If others are holding your money, you just cannot make that snap decision to buy something big.
It was quite difficult to give away money at first but now its just routine to see the joy it gives