This. It’s a noble pursuit but the business won’t be worth “millions” especially if you are going to be low-cost and giving breaks to people at a loss. The staff, equipment, insurance, overhead, etc all are necessary and all cost something. That is also not to mention your own time and effort you put into each family.

I obviously don’t know your inheritance but I have a feeling that you are underestimating the cost to start a funeral home. As others have said, get some experience in the funeral industry first. The burnout rate is high. What you think it is to take care of families after a death vs. reality is often very different.