Not said to me but rotten advice given to my recently widowed mother.
My dad had been paying into a life insurance policy and pension from work, and someone came round the house to discuss things. He said that she shouldn't use the lump sum to buy her council house outright, (which would have cost about £9,000 at that time) but should invest the money and use the interest to bump up her small widow's pension. I disagreed with that, and said she should buy the house. Unfortunately, she was bamboozled by him, he wouldn't listen to my opinion (You're too young to understand, dear), and she took the nice man's advice.
Because she had the lump sum she couldn't claim any reduction in rent or rates, nor was she eligible for any other help. Well, the cost of living shot up, interest rates went down, and it wasn't long before she was eating into the capital as well as using all the interest. By the time she died, most of it was gone.
If she'd bought that house it would be worth about £350,000 by now.
It was 40+ years ago and I'm still angry about it.