Set up a nice investment vehicle with maybe 400m so I can get 1.6m in dividends a year which would be better enough to comfortably travel the world, have a private chef, someone who organized travel so I don't have to..

A nice 12 person yacht on the Mediterranean is 400k eur for 2 weeks (with staff) so I'd realize it's not enough and invest the rest so I could get comfy.

Along the way help friends and family, pay off mortgages, usually good stuff.

It's not that hard to spend 4% a year of that.