i suggest people in a similar circumstance watch LE NOTTI DI CABIRIA. it doesn't seem like it's on topic, but it may be (incidentally, i just saw the film and thought it was pretty good).
anyway, money is such a hard thing for so many people in the world. my biggest advice, if you don't have a lot of ideas for research projects yourself, is probably to put yourself on a path where you can find people who truly need help that you can partly provide. it has to interest you or else it won't be sustainable. but if you can, with patience, find that path, you'll have locally maximized the use of the money just as you've largely maximized making money.