I have calculated i do not need to exceed then around 3.56 million for the remainer of my life. The remaining 996.440.000 i would be far more then id ever know what to do with, so id probably just give it away.

i use magnetdl.com, no ads or pop up nonsense

I use IVPN, mainly convenience as you can just pay for it for a week at a time. Also nice is you can make an account without email. You just get a string like an activation code.