I think spending all of it on feeding people who are starving. You could keep a lot of people alive on a million, even if it was just for long enough to give them a second chance on their own. And even if that second chance failed, then at least all of the goodness of those people would have more time to be in the world.
I’m aware I’m not properly answering your question here but it sounds like you might be better off ditching Adobe and using something like GIMP or Krita. I went through a period when I was struggling with my cracked version of photoshop and not getting anything done and discovered it was much more efficient and relaxing to spend a couple of hours learning GIMP.
If you’d rather use photoshop that’s fair enough but I thought I’d just share my experience and offer a nudge in a different direction :)