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... She was looking at the money in the fund at the end of 2000—her $11.5 million—with a very large grin.

"You really are the best thing that ever happened in my life, sweetheart," she said to me.

"Wow, high praise," I thought. I had never seen Grandma praise anyone like that. But then again, no one had ever given her $11.5 million in a year—without her needing to do any work.

Charlie and Dad said in unison, "Thanks, Mom."

Grandma looked exasperated at both of them. ...

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