Coding is fun, but for me, solving real world problems is even more fun, with or without coding.
What I see around me is that most people seem to be completely unaware of their surroundings, or can't match a necessity to a solution.
Coding is great until you reach a certain level, above that, you should be able to put your hands in the dirt and build something else from it. Coding is like playing in a box, however great solutions are created outside of the box :D.
Answering the main post. I would definitely be coding with 100M in the bank. But I wold also invest some time in some other projects to create useful information / content or any product not directly connected to technology., to solve some sort of world needs, like food chain, water supply, social care, etc.