Pretend the $20 million is guaranteed, and if anything will increase slightly over time.
What problems could be significantly improved for $20 million?
(I am dreaming of winning the $1.55 billion Powerball drawling. Then taking the lumpsum, posting taxes, investing, and spending 4% each and every year. I understand that the actual may be more, or less than the started amount.)
The 4% rule has some serious limitations.
https://m.youtube.com/watch?v=1FwgCRIS0Wg&pp=ygURNCBydWxlIGJlbiBmZWxpeCA%3D
That being said, probably work on my side projects full time, with some cash to potentially hire people if they go anywhere (but under no pressure to do so). Spending time with loved ones, travel, and donating a portion of it every year.