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.)
Well first year I’d finally get a RTX 4090, new car, temporary new home and quite a lot to family and friends. Year 2-4 would be saving up / buying connecting property towards my dream home, and then year 5-10 would be saving up towards a sailing yacht. After that probably some of the fancy coffee equipment that James Hoffman uses.