I predict the money will be gone within two years; three, max.
Considering that the attorneys will get the lion’s share, I say 18 months.
A neighbor of mine died suddenly and left a family behind. The insurance money was used to buy new cars for mom and new motorcycles for the kid...and that’s just what was visible to an outsider...who knows what else it went towards. Within two years, the house was being foreclosed on. Sad really.