Put 3 million into 30 year TIPS at 2.4% real, half mil into gold and BTC, and buy a house. You've just locked in six figure income forever and have ample upside if things go wild. Could play with the distribution, but no matter what you'd be doing pretty well. Then, rather than sitting on your ass, find something to do that you actually love.(𝐓𝐗𝐌𝐂)