I would never let that happen to me, nor do I think anyone else would. Nobody has $5,000 and waits until it becomes $130,000,000 without cashing out anything first. The normal thing is to cash out little by little as the ball gets bigger and bigger. But even if you had partially withdrawn along the way and ended up with a huge sum anyway, or even in the scenario you pose, you are foolish if you plan to do it on your own or with advice from a forum.