$ 3.5 million is approximately 230 million Russian rubles. Moscow is the most expensive city in Russia, you can buy not luxury, but nice apartment with 3 rooms in about 20-30 million rubles, plus to buy an apartment in Sochi, on the black sea coast, and another 7-10 million rubles. The remaining money you can travel to the end of his life and never work at all! Not work at all! You don't have to do anything, it is not necessary to deceive people and crust more money, you will not have time to spend what you already have until the end of life, while providing themselves with everything necessary