4
Park it in a money market and that’s literally a free 50k every year without ever touching the principal.
If you think 1M is suffice for life or free of financial worry, you’re lying to yourself, unfortunately
It depends if the person who has it is stupid or not. Don’t spend it. If you want to live off of it then live off the interest and stock dividends.
Even if I got a million dollars tomorrow, I would still work. That money won’t last forever