1. pay off my mortgage / debt
2. pay off my family’s mortgages / debts
3. a lump sum to each of my friends
4. buy a house to give to each of my kids when they’re older
5. fund a houses for homeless people build initiative
6. fund an old people’s retirement care initiative

That’s it.

People sitting on huge piles of money like selfish old dragons are the reason that the world is in the state it is. Money only helps people when it is spent.