Pretend the $20 million is guaranteed, and if anything will increase slightly over time.
What problems could be significantly improved for $20 million?
(I am dreaming of winning the $1.55 billion Powerball drawling. Then taking the lumpsum, posting taxes, investing, and spending 4% each and every year. I understand that the actual may be more, or less than the started amount.)
Well, since I don’t need a lot in life, I‘d keep a mil to invest and mostly live off the dividends. Maybe two if everything sucks.
The rest goes to educating youth. It’s literally the key to curing cancer, colonizing mars and eradicating inequality and fascism.
Have a good day.