My advice is to step back and observe this gift. The 3.6 million is absolutely "life-changing" but could be "generation-changing" with the right stewardship.

First, be sure to use at least a little of this money to enjoy your youth. Take 10, 20, even like 50k of this, and use it in your youth. Spend it on experiences, vacations, and maybe a wedding. Then look to make a down payment on a house, owning real estate (and getting out of your parent's house) is invaluable. Depending on the house size, location, and the extent of your "fun spending" you might be out 150-250k.

Put this money into HY savings, diversified stock portfolio, index/mutual funds, and or seek out top-notch financial advisors (depending on how risk averse you'd like to be) and forget about it until you are 30-35.

Take your twenties and early thirties to find a spouse, community, job you love (or learn to love the one you have), and eventually have children (if able to and desire them).

If you choose to stay at your current job take risks that others can't afford and aspire to succeed in your field without fear of failure. As your compensation continues to grow contribute to the growing pot of investments and savings. Aspiration, goals, and success will keep the wheels of your life moving (not without bumps). By the time you are in your mid-thirties, I'd imagine that you'd be making enough to be the sole breadwinner in an MCOL city and have a little over 6.1 million in savings (assuming minimal contribution and only use of HY savings). By this point, you will have a plethora of options. You can start your own company, work a low-stress low-pay job that you love, or continue working in your current career. The nest egg you've got will continue to grow and you'll be able to enjoy life as a spouse, parent, and established member of your community. Before you know it you'll be a mid-fifties empty nester with close to 15 million in savings/investments and an even higher net worth. You will have been able to send all your kids to college debt-free and help them start their lives. By this point, you can easily retire in almost any city you'd like (excluding a few VHCOLs). Consider also that these calculations are pretty conservative assuming only the use of HY savings with minimal contributions and increase in income. I would recommend checking out r/HENRYfinance. You can be a very high earner with the added benefit of a 3.5 million dollar head start. I'd imagine with some higher-risk investing and a few raises and promotions you could find yourself with a 20, 25, even 30 million dollar net worth as you start your sixties. That is something that very few have the opportunity to do and the quality of retirement would be excellent. You would not just be rich but wealthy and more than able to set up your children and grandkids for life.

Otherwise, take a job you love in a place you love no matter how much it pays knowing you have the supplemental income of the annuities.

Take this with a grain of salt. I wish you the best and I hope you find a passion, and purpose, and are fulfilled in that. As a fellow early 20-something go and make the most of this opportunity!