You could use the money to start a business … or to convert a hobby into a business.
Maybe there is some aspect of life that really bugs you … managing your IRA, for example … takes wayyy too much time and energy. So you figure out a way, based on your experience to “automate” the process so that rebalancing can be done automatically. But you need to hire someone to do some programming for you.
If, for example, you enjoyed sport fishing … you could use the money to make improvements to the sport in terms of financing development of better equipment.
Or, you just don’t believe the statistics on fish population data, so you can put together your own marine institute and buy side-scanning sonars and boats and hire crews to go out and do the census yourself.
If you enjoyed some non-profit activity … could be anything … scouting or being an EMT … you could use the money to enhance those activities for others … through scholarships or a foundation to buy equipment. That, by the way, is how scholarships and foundations come about … people who have achieved some measure of financial success now have the ability to fund up a philanthropic fund. And, if you’re diffident or uncomfortable about taking or getting credit, you can set up a system so that your participation is anonymous.
All it takes is an idea. And now with the money in hand, you can follow through.
The point to all this is that you could use the money to help other people with some aspect of their lives.
And, there is no requirement that the experience has to be a penance for you or be unpleasant.
So, there is no reason to expect that the process would adversely affect your relationship with God.