But even $100.000 isn't a life-changing amount, sure, it's nice to have, but it's not like you can stop working after having $100.000 And wasting it on a car/house/holiday is stupid.
I might invest it to start a company or something, and in that way it might be lifechanging, but even than investing all of it would be risky. So i'd probably only risk a small portion of it.
$1M might change my life a bit. I will use half of that to improve my quality and invest the rest. Maybe 25% in bitcoin, and 25% in stocks and shares.