If I had $1, I'd waste it.
If I had $10, I'd hang on to it a short while before spending it, probably on food.
If I had $100, I'd waste it, but slowly, dragging it out for a while.
If I had $1,000, I'd waste it rather quickly.
If I had $10,000, I'd try to live on my own for a little while, and probably end up wasting it.
If I had $100,000, I'd try to live on my own, but meagerly, to rest and recover and discover myself. I might try to make some progress on things while I'm at it.
If I had $1,000,000, I'd try to start a business doing things I love, while trying to keep enough money to live on.
If I had $10,000,000, I'd waste a bunch of money on frivolous things, then start my business, probably not being as careful with that as I should.
If I had $100,000,000, I'd probably get some kind of god complex, set up all the businesses that I have ambitions on, and not brook opposition if I had my mind set on something. kind of a scary proposition.
If I had $1,000,000,000, I'd probably go swimming in it, and drown. Metaphorically, I mean.