A million?
Well, $100,000 would go straight to my church. The rest would be put in one or more high interest savings accounts or bonds while I spent the next few years figuring out where I want my family to live, then I'd spend as much of it as I needed on buying land and building a house. I would figure I'd have about $200,000 or maybe even $300,000 left over, which would stay in the High Interest accounts, and I'd vacation and play off the interest.
Now, If you gave me $4M or more, I'd be able to do the same thing (with $400,000 or whatever 10% was going to the church), build my house, and then live entirely off the interest of those savings accounts, freeing me up to serve my community more and write novels full-time.