Let`s suppose you came into twenty million dollars. It might be you played the lotto and won, someone died and you inherited it, or you found a magic lantern and a geni granted your wish. One way or another, you come down to breakfast with the fact that you now own $20-million.
Let`s further suppose that this is after-tax money. Whether you won this at a casino, it`s an estate, or you`re just an honest person and told the IRS about that geni, you`ve paid all taxes, and this $20-million is now "fee and clear" of all obligations. Right now, it`s cash sitting in a bank. It`s not in savings, it`s not an annuity, it`s a lump-sum amount.
In other words, if you say, "I`d invest $10-million, and suppose a 4% return," you`d now have an additional $400,000 per year you`d have to account for. By "account" I mean, you have to target that for further spending or investment, and list what you intend to do with the income.
List the breakdown---write it out in enough detail that anyone reading your post can use a calculator and say, "Hey...there`s $3.7-million left; what about that?"
Whatever you intend to spend, put the amount and the item---what you spend it on. So if you say a car, list the cost of that car. For example, "I`d buy a Mercedes for $80,000." "I`d buy a house for $3.5-million, in Miami."