withdraw it all immediately. invest in cheap land somewhere warm, build/renovate housing, hire local property management and rent it out. the million & change

withdraw it all immediately. invest in cheap land somewhere warm, build/renovate housing, hire local property management and rent it out. the million & change will go a lot further if you do this internationally (Thailand, Belize, Kenya, etc). now you have somewhere to retire & it will make money until you do.