Asklemmy

Either you or someone with a fiduciary duty to you will open up several accounts to invest in your name. These accounts will vary but be geared to making you money, providing the liquidity you need, and hedging against market risk. You might also make an investment in illiquid assets like real estate or hedge funds.

It won't be guaranteed unless you pay insurance on it, but you should be rich enough to take the hit of one account going under.

Get someone qualified to manage it.

Figure out how much I would need to live the rest of my life comfortably without having to work on anything I didn't want to.

Invest the rest in helping others that want to do good.

Ultra low risk is possible with staggered bonds. That kinda money, you can live off the lowest yield of earnings and live like a king.

Make my dream a reality

Finally could have a freaking team for my project

I'd pay off my entire immediate family's debt firstly. Then I would speak to a lawyer and accountant to protect myself and my family. Then, based on the accountants advice, I'd set it up so my parents can live where they want to live or travel somewhere and renovate their entire house where they can live and no longer have to work anymore. I'd get my sister a house wherever she wants and no matter the size. I'd get myself a secluded house where I can live on peace and a car so I can work in peace and all the moochers can leave me alone. If also invest in starting my own creative studio where I'd be working on my own game and hiring artists, voice actors, musicians, and programmers that I know. And, since all that wouldn't use the entirety of the 100 million, I'd also use a good chunk of the money to help all those affected by the canadian wildfires because that just sucks what happened to those people and they don't deserve it.

Private wealth management. They take a large cut but it's worth it for most mega-rich folks. They will manage the money for you and invest it according to your goals. They spread the funds out into various investment classes to lower overall risk and they work full time moving money around to maximize gains. They also have access to tax experts who can advise on how best to minimize taxes.

As recent events have shown, the FDIC guarantee amount isn't a hard limit (at least in the US). That said, the name of the game is to keep accumulating capital, so you just use the money to make investments. Maybe you have some specific ideas about which investments to make, but typically you just hire a company to do this for you. What you don't do is spend it. Instead, you use those investments as collateral on lines of credit and that is how you get your spending money. This way, you get useful cash flow while minimizing your taxable income.

An important thing to do is launder your reputation by contributing to charities and causes and making investments that have popular appeal. It's cheap insurance to make sure the working class doesn't bear too much resentment for you specifically if a revolution ever does materialize.

I'd build as many zero-equity housing co-ops as I could in areas with high costs of living.

Get bigger tits. The rest I would use to save others because 25000 people dying of malnutrition every single day is just beyond fucked up.

Help friends & family. Donate to community assistance programs. Donate to other causes. Buy people nice gifts.

investment opportunities are endless really. I'd buy real estate & develop it for resale - relatively easy profits there. US FDIC only insures up to 250k per account, but there are other country's banks out there - the Swiss banking system was a popular choice in the past but I've heard that the Cayman Island banking system is good as well. invest in tech - small businesses, as a few tens of millions isnt going to go that far, but 100 mil is good seed capital.

or, shit, just retire on it & pass the remains to your descendants.

pay my personal expenses with it but keep working a job. donate to the communist party of my choice, so we can have a legal defense fund and do fancy projects that we can't afford now and can help out comrades in need. donate to every strike fund in the world that will accept a payment. maintain a large list of such funds. donate money to battered women's shelters and to give direct aid to poor and homeless around the world. repeat until the money runs out. as far as the technical aspects of how to manage money that large without losing it due to bank system failure, i guess i could open thousands of accounts in different banks and put 250,000 in each of them or do some other strategy. ill take off a few months from work to research how to do it and talk to people who know more about the subject until i have a solid plan for that.

100M before or after taxes ? 🤣

Buy more hard drives and some 10gig networking gear. Cut my hours at my job to like 20 a week

Invest in my people (friends and family), especially the ones I care about. Not exactly a win win but it's basically a wash in the worst case and a super win in the best case.

If they succeed in their endeavours, I get partial ownership in it or it can be a loan (whatever they prefer) and if they run away with the money, it's a cheap price to pay for setting up someone I cared about with a better life and finding out they were not trustworthy.

Also, if spread around enough, there will be enough people who will be thankful to you for improving their lives that they'll be there for you for a lifetime.

This is all after you do the usual investments with some amount and also keep enough aside from any ideas you want to try to bring to fruition (you'll want to do something at least after all)

You don't have to, but it's kinda dumb not to. You can cram it all into a wooden chest and bury it in your backyard if you want, but while its down there its slowly losing value.

Instead you can set it up to make more money for you, without you having to do anything. Money, in sufficient quantities, can become self-replicating unless you do dumb shit with it and waste it. You just hire someone who knows how to make that happen, some financial manager of some sort, and they take care of it. You can even set it up so they just budget out an allowance of your own money for you, so you know how much you can spend every month or whatever. If you want.

This way you don't have to worry about anything, you just know you have such-and-such amount every month to play with, just like most people. It's just a lot more than most people get.

I'd buy a nice house somewhere a bit wild and in the middle of nowhere on the south coast of either England or Wales, something old with character and a big garden with a good pub nearby. I'd also buy a classic wooden sailing yacht and put enough funds aside to maintain her as well as kitting her out for serious passage-making. When I'd done that I'd figure out how much money I need to make work optional for the rest of my life and how much would keep my family comfortable in an emergency, as well as a small 'shit hits the fan' fund kept in something you don't need electricity to access like gold just in case. I'd then donate the rest to charity, the bulk to enviromentalist lobby groups and charities directly helping people (the RNLI comes to mind for example) but also to a few niche causes like keeping the ailing pirate radio ship Ross Revenge afloat and starting a breeding programme to save the highly endangered otterhound. I'd also like to have a few documentaries made, and I'd drop a few content creators I like some donations too.

Honestly all I really want to do is go sailing and not have to deal with the rat race, I don't want to live an oligarch's lifestyle and I definitely don't want the sort of attention and arseache that money would bring you. That money would be far more effectively used for good in the hands of others so I'd end up donating the majority of it, I suspect on the order of 80% of it at least.