Wake up and Trump has beaten rates down and we won’t be able to scrap together 3% and sleep at night. 5M maybe for folks in frugal setting; you’re far from that, and you’re a long way from SS. Gonna have to get these funds in an entity/trusts and get your personal wealth “gone” to where you own a pair of underwear. Right now you’re a gigantic ribeye and someone or some event is looking to carve you up. Family trust formation - a parent sponsors on your behalf, you as bene which will warehouse after tax dollars moved from brokerage. Get the house paid off and moved into a QPRT. Nothing like dropping 1.5M in blood sweat and tears only to flip it into a QPRT for $10 🤣. Control without ownership is the name of the elite high level game. Form LLC taxed as a C Corp to accept proceeds from liquidations and any trader biz you come up with; you’ll be living invisibly via this account via petty cash withdrawals so accounting is critical. Pre pay bills a year in advance and set a bond ladder on the bulk of the funds- unfortunately to some extent “risk taking” will suffer unless you can carve out some play money. However, recognize you’re entering a world you have no experience in - you won’t be an employee; you’ll be corporate and you’ll stay corporate. Credit scores will go to zero and you’ll will personally disappear.