She'll probably last just under three years. That's the norm.

I see sooo many trustfund babies in my work. They all come into their inheretence, and wind up seeking an entry level job within 3 years to pay off loads of debt. It doesn't matter if it was $1M or $20M.

If she can find an honest accountant, she has a shot. It is certainly doable. It is best to only buy bonds, and live off the interest only. It means a disciplined approach to managing a limited standard of living. She would be a rare exception to the rule if she can pull it off, but yes, it is doable.