She forgets the password, stays rich

The advice is to accept the market's return, which has been very good, and then do nothing. Don't check it. Don't open the app. Lose the password.

She follows it to the letter. Every four years someone suggests checking the investments, and she says she doesn't know the password. Then comes the whole password reset ritual.

When the account finally opens, the news is that she is rich. She says amazing, and then forgets the password again until the next four years pass.