Among all the comments I see I am still unable to see what I wanted someone to say so I will say it. The million you will get you need to make two parts one that will be portfolio based investment and the other will be a cash fund that you will use to pay yourself a salary from it and expand the other fund overtime. The portfolio based investment will include investment in government bonds, euro bonds (bonds denominated in a currency other than home country's), stock, major economies stocks, make sure to build it in a way that will give you some dividend based income off your securities. Lastly, you will invest just 20,000 in super risky things such as crypto currencies or you can go up to 100,000. Use any kind of proceeds from to pay off any debt and keep living your shitty lifestyle after a couple of years you might leave your job and do things as you please without breaking the bank. Stay away from gambling, addiction or manage it and relationships that will take half of what you have. From the cash fund you will pay yourself an amount and never spend everything rapidly. After a few years you will be better off than a lot of people in your social circle.