What would you change in your life with that kind of windfall?
Definitely not going to quit my job.
Definitely not going to go back to school.
Sure, I could spend it on a vacations over the next decade but I could already do that so not life changing.
I like my car already.
Maybe a renovation?
At the end of the day, I'm already doing things I like to do so additional money mostly is just going to be saved which isn't life changing. It's nice but not life _changing_.