Spend 20-30% of it to buy gold coins (not the collectables). Rent the cheapest apartment you can get. Sell all the crap you dont need and wait out the coming storm. Then, after the storm, buy up everything you can on the cheap and profit by doing something with what you buy. Much eaiser than learning how to code and rolling the dice, dont let this whole "web and app paradise" fool you. Im running away from the mob, what about you?
This is a balance one has to make when working for someone else. Often, all of your suggestions you made end up with more limitations than freedoms.
You need freedoms within apps that are going to be around for the long haul.
Example...
Do I build an app in MOSS 2007 or simply use asp.net. Ya, then comes MOSS 2010 and you need to do a rewrite, if you used asp.net then there is no rewrite needed.