Hire a fiduciary management firm at 0.5% of invested assets per year--fee, not commission--to pay you 2.5% per year. This will likely last you forever, and the

Hire a fiduciary management firm at 0.5% of invested assets per year--fee, not commission--to pay you 2.5% per year. This will likely last you forever, and then your heirs will get it, so also draw up a will and keep it current. Your annual income, inflation adjusted, will be about $200k, and probably increasing more often than decreasing. That's enough for some comfort and occasional luxury, but not very significant lifestyle change. Don't trade up unless you find that you can't spend everything your fiduciary firm is dumping into your account every month. Keep working, but know now that you have "f-you money", and don't take crap from anyone. Don't retire until you can come up with a hobby that will occupy you for at least 4 hours per day, and your kids each have bachelor's degrees (if they want them) and their own place to live. Now you can afford a nice, new car every two years. Make sure you do it, to support the used market for the rest of us. Treat your spouse right, to avoid divorce--or even threat of divorce--at all costs. So buy your spouse's new car first.