I'm working as an admin clerk, earning $35k pa. 45 years old and living in a small flat. My elderly parents, who sold their old terrace house and now living in a small new condo, gave me $1m (from sale of their terrace) to keep in the bank. Some people say I'm a millionaire but I feel ordinary. I'm quite poor actually. I may give the $1m to my children when I die. I take the bus everyday and my wife cook simple meals. I don't want to invest as there are many cheats out there. Also, my boss said the market will crash. I'm scared to lose the $1m, better keep safely in the bank.