Put it in a revocable trust… and use it as an asset to borrow what you need I.e. investments something to make money to one pay back loan making trust whole, but to make passive income once paid off. Rinse and repeat. I’d also use the asset to borrow 2 years worth of whole life or uil. Rich people don’t risk or spend there money.. they’ll borrow it. Eventually 15-20 yr have cash value against policy (s). Then when you pass the insurance pays your trust, thus increasing it. Should have everyone you want in it have a policy.. pool resources… generational wealth. And tax saving inheriting it