Anything over like 30k, you should be paying someone to invest for you. Even if it's just managed ETFs. The cut they take isn't that much.

Obviously I don't know the structure of the settlement.

I was commenting on the previous poster though who said deducting 2mi for house and 1 mil for cars out of 12 million to get the 9 million.

I realize that in a real world sense she likely did not get a full 12 million. Although a proper money manger is going to get that tax burden pretty low through opportunity zone investments, tax avoidance, etc.

You could pay 4 mil to the government or 250k to a good accountant to set up a ROTH IRA a charity (Breonna Taylor Foundation) and two corporations [A and B] and reverse merge A into a nanocap OTC pinksheet company (like NSPX) which she buys a controlling interest in her IRA, then donates the remaining money to the charity which provides a grant to company B, which then purchases the shares of the newly merged company A at whatever price she sets to have tax free gains in her ROTH.