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If you have any decency, get rid of most of it, preferably to charities or political causes.
That sort of wealth in the hands of a single person is obscene, and spending it on luxury when there are people starving and homeless in the world is the height of immorality.
Charity exists so that rich people can pretend to help, but also get to be a petty tyrant. Charity is scam.
I would buy me an American senator. Always wanted to have one.
Only need somewhere around 250k for that, you may as well go big.
Considering that quality of life won't improve much beyond a net worth of 5-10 million dollars (heavily depends on the cost of living in your area, as well as stuff like cost of healthcare), there is no point keeping that much money.
If I got 100 million dollars, I would donate 95 million do various causes, pay whatever tax I owe for the other 5 million, and retire with the 2.something millions I have left.
As for where to keep it... First I would pay off my mortgage, and then I would invest in index funds and bonds.
Two million is hardly anything for retirement. If you’re in your 50s then that’s only 66k a year until you’re 80. Unless you’re about to die that’s an absolute pittance. If you’re younger then that’s even less per year. You can’t think of retirement as “oh I only need this much money”, you have to think of it as paying yourself your yearly salary until you die. Life expectancy has massively gone up, so has inflation. If you live to 65 in the USA you have an average extra expected years of 15-20, so up to 85 years life expectancy in certain states. If you’re retiring at 30 you’ll be looking at 55 years of paying yourself. If you want a decent “salary” you’re looking at at least 5.5 million.
What? $66K in the USA is more than most. It can be a really great life. How the fuck can $66K be a pittance?
Editing to add: Real median household income was $70,784 in 2021
The real answeris, get in contact with the accountants of other people who have 100mil and have them take care of it. I'd probably squirrel away some in precious metals just in case. Also, I would not post a single thing on the Internet about the fact that I'm rich.
So, you're rich?
I wish
Finally get rid of the biggest barrier to a better world for at least 300million people, primary/buy-out every single politician of the democrat party to ensure the things that are ostensibly in their platform are actually enacted. Also ensure that every single current non-elected neo-liberal "policy wonk" and their sycophants never have any influence in any future government again.