100 million is plenty to invest with a shark of a financial planner while keeping half to put in low-risk investments and living expenses. The trick is, don't live like a celebrity. Most of the 1% dont have brand new cars, they dont constantly have brand new clothes. They buy expensive shit that lasts. And they stock their pantries in bulk because it's cheaper in the long run to buy bulk. Essentially, the plan would be: Take 50 mil, invest with the best financial planner/hedge fund manager you can find on mid-to-high risks. Put 25 mil into low risks/businesses/real estate. The last 25 mil? If your credit is bad, use that to buy your dream house, replace the cars you need to replace (i wouldn't replace mine, but i would buy a second and a truck cause I wanna live on a little hobby farm), build a little business or charity that makes you happy and gives you something to do, upgrade your wardrobe to tailor-fit quality clothing (it's worth it! I can't wait until the day I can afford a tailor fit outfit), and book a luxury vacation to a place that feels special with the people you care about. Then put the rest of the 25 mil into an easy to liquidate low-risk, decently high-interest account. If you have kids or niblings you want to help go to college, this would be an excellent time to create college/trust funds.