Several years ago I put $100K into a new (non-public) fund invested in a certain screen. When interviewing him the discussion of our portfolio size and withdrawal needs came up. $100K was just a small portion of our total.

He said "You do not need this fund, why are you putting any money into it?"
My reply was "Just running up the score."

In an article I read years ago, a guy went to his full-service broker guy and wanted to put some money into a small stock he had read about and his broker said to him "Why bother? Even if it doubles or triples it is not going to make any difference in your life style." and thus talked him out of it.


So then the discussion becomes "What are you going to do with the money you don't need?"
Yes, yes, "he who dies with the most toys wins."

You can pass it to your kids, give it to charity, etc.
If you don't have family then I guess you'll make some charity happy, maybe put your name on a table in the campus library.