I would buy a piece of property large enough to fit and build individual homes for my family members (Mother/Brother, Sister, me). There would be no such thing as an "HOA." For myself, the home I would build would be an Adobe home (always wanted one!) and my family members could have their choice of what they want. I would give a large sum to help animals in need (because I am a very big animal lover). I would have my personal health issues dealt with and, the rest, would be socked away.