I saw some of your personal details before removed. You have.. $xM available, and still working to death?

"Where to get private health insurance?" Google it? I think pretty much every state has a BlueCross insurance company you can call up to ask. You'll probably spend between $500 and $1000/month, per person in your family, depending on state and age.

I despise employer-provided insurance - we have an entire culture of people who feel extra-dependent on 'employers' and who don't seem to know how to find out basic information.

You have a more than comfortable nest egg. Go pursue your passion before it's too late.

A handful of Vanguard funds (VIGAX, VITAX, VFIAX, VWNDX) and the like.

The GP was talking solely about dividends, but most funds will re-balance and distribute long-term capital gains to you if you wish. If, in 2020, you held $1.5MM in a mix of those funds and instead of reinvesting dividends, long-term, & short-term capital gains, and instead redirected them to your bank account. You'd have something like $80k distributed and your market value would have increased to like 1.7-1.8MM.

Not that 2020 was a typical year or anything. But the past 8 or so years have told a similar story.

You need to get in contact with a high net worth investment advisory. I use Fisher Investments.

If you have $6M, you can live the next 60 years on $100k/yr by simply storing it under your mattress. You should talk to a financial advisor, you almost certainly can retire now if you want to, even if you're 18 years old.