A sudden fortune can feel like freedom. It can also feel like standing in unfamiliar territory.

That is where Jonathan, a 36-year-old father in Fort Myers, Florida, found himself. He told “The Ramsey Show” he inherited about $3.6 million after a devastating family tragedy and invested $220,000 into a tiki boat tour business.

Jonathan said the tragedy happened a few years ago when his mother was killed by her new husband. Both were in their late 70s. The loss was followed by the inheritance, leaving Jonathan suddenly responsible for millions of dollars.

“I had never made more than about 85 grand a year and then was left with a couple million dollars,” he said.

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Jonathan told hosts Dave Ramsey and John Delony the first year after the tragedy was difficult. Over time, he focused on rebuilding stability for his two children. “I got a couple kids and I tried to get myself together and be better for my kids,” he said.

Before the inheritance, Jonathan worked in restaurants as a bartender, sommelier and server. The work involved frequent conversation with customers, and he said he no longer felt comfortable talking about his life after his mother’s death.

Jonathan said he stopped working around that time and has not returned to a traditional job, saying his assets total roughly $3.5 million between property and other investments.

“You’re going to have to get a job,” Delony said. “You’re going to have to get a purpose, a thing to do.”

Jonathan said he plans to run a tiki tour boat business.

“At 36 doing nothing is not a plan,” Ramsey said. He encouraged Jonathan to stay engaged in meaningful work as he manages the inheritance.

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Delony agreed and warned jumping from one business idea to another can quietly drain money.

“Buy a boat for a quarter million dollars and then six months go and be like, ‘Well I’m going to do this and I’m going to buy a snow cone stand,’ and then you’re going to small business yourself broke,” he said.

Jonathan shared how he invested part of the inheritance. About $1.8 million is tied up in real estate. One newly built home will be rented out after construction, and he owns another rental property along with the home he lives in.