Personally, I'd start as many businesses as possible with a focus on quality and a place employees take pride in working for
With 10m in hand, I'd be able to invest 2-4m and fully replace my current salary. If it helps, I make around 200k a year. I already have a car for myself and spouse. I got a house, I'd pay that off. From there, it's a good question. I'd really like to work somewhere people take pride in. At this point, it seems like I'd have to enable such an experience
If you can't answer the 10m dollar a year question, then I got an easier one. What would you do with 400k a year?