Perhaps get a twin rating and get a DA42 or the new DA62. Or just get a Malibu Meridian. Wife won't fly with me (because she doesn't like flying - puts up with commercial!) Probably use Netjets or similar, so that all airport queueing is forgotten. She'd be fine in a Gulfstream. Don't need to own one.
20 million isn't enough for a decent sized yacht, so a 45' boat would be fine, moored in the Caribbean or South Florida.
Might be nice to live in an airport community, and have a Cirrus or Corvalis in the hangar - that's probably one of the cheaper options.
Of course, as we get older, all we'll need is a big TV and some very expensive slippers
