First, do some math. Assuming no inflation, you have 138 years worth of money. Come on, you'll splurge some, have a friend that needs help, give to charity, h

First, do some math. Assuming no inflation, you have 138 years worth of money. Come on, you'll splurge some, have a friend that needs help, give to charity, have some unexpected bills, and have inflation. So it's not really more than you can ever spend. In your shoes, I'd think about what I wanted out of life, and use the cash to subsidize getting there. Don't try to make it last forever-- just try to obtain your goals.