If I ever ran into that much, I would probably get into a sort of low amount angel investment with a small slice of it. (After putting the bulk of it in the more sensible forms of investment.)

I don't have enough fingers to count how many low key projects I have tried to start that have never achieved fruition because of my lack of other skills that I would need to pay someone to do, but didn't have enough money to pay for it. (Stuff like art, or audio work).

I'm not talking that stuff like million dollar angelling that those guys do in California, I'm talking $5k to $10k or less. With the project I am on now, I'm trying to get the $10k minimum from the Intel App-Up program so that I can pay an artist to make some art, a voice person to do some speaking, and a "blank" to do some "blanking" (saying this would give away my idea for an app missing from it). I would pull a loan, but I'm already $30k in the downside from a previous side business that was more physical product heavy that failed and is going to take me a few years to pay off.

But if I ever hit my dream of making it to not having to work for someone elses dream as day job. That would be what I would do with my money.