If you use it right you can, sure you can make over 1 mil in your life but getting a lump sum is not something people get every day. Ive known 2 people who have recieved lump sums of that much in my life. 1 was an inheritance, 1 was a settlement. I wouldnt say anyone and everyone fall into that class. If being a millionaire was that easy more people would do it. Sure anyone and everyone has a oppurtunity to make money and live the lifestyle they want is easy to say, but doing it is another thing.