Mom's personal finance strategy has always been "denying herself". She has crimped her consmumption her whole life. Is her frugality rewarded? Or just squandered by others? She doesn't have many friends, because she spent her whole life working and saving. Maybe it is time to be generous.
The hardest part of economic decision is that you have to not just save wisely, but also invest and spend wisely. How to spend your wealth takes as much effort and planning as how to build it. Do you spend it on travel, dinning, and making friends? $100M gift to the public library? $1B gift to eradicate malaria? It is no easy task to spend it wisely.