About 200k USD Pays off mortgage, credit cards, car loans, etc... That would leave us in a position where the wife makes enough for us to survive with 0 debts

About 200k USD Pays off mortgage, credit cards, car loans, etc... That would leave us in a position where the wife makes enough for us to survive with 0 debts (as what we would be paying for would be utilities / food / cost of living...) and I could focus on new app development / freelance. And yes, I'd do it in a heart beat if it was real cash money.