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Regarding original question about what I'd do with $4M capital...
1) A portion stays safe in something low interest and liquid.
2) A portion goes towards active investing because I like the action in trading. 9% on gold already for the last month...
3) Once you have more than you need, you just do like Fletch says and make yourself happy by pursuing your interests. Move up Maslow's pyramid.
4) It's silly to think that a change in financial status doesn't have an impact on one's relationships. It doesn't have to destroy them, but it can create new kinds of conflicts. Girlfriends and wives are no exception.
Quiet, you might also check out Jungian typology/Myers-Briggs. I've found there are some things to chew on there--especially if you don't have to slag for cash anymore, like the rest of us.
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