I’m somewhere between Svelte and Scaredy… I’d probably stay in place, do some upgrades, hire some help.
The problem with spending $5M or even close – is your prop taxes are super high… and that competes with my goal of being able to retire… have to get the fixed costs down so I can travel in style when I no longer work.
I could see spending $100k getting all the postponed work done on my house though. Banking the rest and upgrading from coach to first class on our vacations. (Having just returned from Sicily – I have fantasies of being in one of those pod/full flat beds at the front of the plane for an overseas trip. No armrest wars for those folks!)