If I had an "extra" million bucks, I'd probably just spend it. Or give it away, or donate to causes of personal interest. If it's "extra" it's because I already have enough that I don't have to worry about any upcoming expenses.
Might renovate the house, renovate my sister's house, do some travelling, buy a new car.
It would also depend on how old I am when I get this extra million. If it's now, at age 60, I'd sink a bit into some ordinary bank accounts so I can have cash in case of emergency. Pull the maximum out of the accounts every year to pad my IRA or whatever this thing is called that I invested in years ago every year until I'm old enough to be required to withdraw some.
If I'm already in my 80's, screw saving, screw investing. I'd spend it all on living as well as I can for the next 10 years. Maybe even get a face lift!
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