I would invest most of that money like 10M and probably spend 2M on a house and car then share the remaining 2M with my family and keep the 1M for expenses until I start getting profit from the money invested. My NUMBER ONE RULE is to only buy things that cost 10% of what I got otherwise I probably wont be able to afford it in the long term. I have used this method a lot and it actually works pretty well. Suggest it for anyone.