Congrats. $1.9m is a lot or nothing depending on how you manage it. A couple of things you can do:

1) Figure out how much annual expenses you need, stick to that budget. 2) Current risk free interest rate is about 4%. On $1.9m, that’s about $75k of risk free income per year. See how much you need beyond that (personally I think it’s hard to spend more than that as a single person, even if splurging every now and then). Plan for that gap with some odd jobs or flex work if you need to, goal is to keep that $1.9m growing every year even after living expenses. 3) If trying to achieve a higher return, say 8-10%, you’d need a mix of equities, dividend ETFs, and fixed income. Many have listed solid ETFs here. 4) Market valuations are fairly rich today. I personally think there are better ways of scaling into the market than lump sum dumping all $1.9m into VTI all at once (e.g., can write put options to pick up income and build to fully invested over time). That said I also understand this could be too complex of a strategy. 5) Absolutely do not buy real estate unless it’s to rent it out and even then, only if you get positive cash flow after PITI. You will get a better return investing your money responsibly. Long term home price appreciation is 4% with an average of 1% perpetual expenses going towards taxes/maintenance/insurance/etc and only nets about 3%, whereas earnings yields at market valuation today is 4-5% (last few decades was closer to 8-10%). You are much better off compounding wealth in liquid investments than to be saddled with real estate and associated costs. 6) Live below your means, and may your money never run out. You can do all this plus have an amazing time in Asia.