forgot to answer the questions in your post: in general, here's what i would suggest, seems like the 3 of you don't necessarily need to work for a living which is a great situation (correct me if i'm wrong). what i'd suggest is to find something that you really enjoy doing, for me, i thought about all these ideas that happened to be popular during whatever time, and though i had plenty of seemingly plausible ideas, at the end of the day, i really didn't care too much about those, sure there would be challenges to tackle and things to learn for a few years, but i would get tired of it really quickly. for me, i got lucky and figured it out, albeit later on in life. from a child, i loved watching and playing sports, i used to read the paper every morning as a kid just to look at all the stats, i could figure out the progression of games just from the numbers. obviously you'll have to figure this out for yourselves, but the fact that you seemingly have the financial security issue resolved, you could start thinking about things in the upper layers of maslow's hierarchy of needs, scratch that, even if you don't have financial security figured out, go for what motivates you. i think elon musk is a great example of someone that goes after the big problems even when there are huge precedents or incumbents in the way, this is the stuff that legacies are made from, solving the potentially unsolvable, he's really leaving his mark on society and since time is severely limited, go for the big things that you care about, the proverbial world hunger type problems if that's your thing. i'm sure whatever comes of it will fully enrich your lives and i'm not necessarily talking about money even though there's plenty of potential for that.