A 45-year-old man in Shenzhen sold his house for 20 million yuan, paid off his bank loan, and still had about 16 million yuan left.


The house cost 4 million yuan; over eight years, it grew to 12 million yuan—more than three times his money. He plans to take this money and return to his hometown to retire.
After returning, he spent 1.5 million yuan to buy a large flat in the county seat, spent 2 million yuan to build a big villa in the countryside, and still had 12.5 million yuan left. He deposits it in the bank at a 4% annual interest rate, earning 500,000 yuan in interest per year—more than 40,000 yuan per month. If it were you, what would you do?
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