Is $10 million, before taxes and expenses, really fuck-you money these days? Having maybe $ $6 or $7 million in the bank certainly wouldn't inspire me to turn down $3 billion for a flash-in-the-pan type of business.
If you can sustain 5% interest, that's $500k a year taxed at 15%. That might not be fuck-you but it's certainly good enough for pretty much anything you might want to reasonably do with the rest of your life. (Barring ultra luxury of course.)
Interest is taxed at marginal rates, not capital gains rates. (You may be thinking of dividends.) Moreover, at $500k/year, you would be subject to the new higher capital gains rate of 20%...
