forgive me for my satirical post, for I am still awed how some people simply refuse to play the game in front of them.
my real answer is that I don't need almost any of that money to improve at photography. one needs a library card and access to the internet. improving at photography involves looking at photographs, introspecting about them, developing your theory as to why theyre good or not, reading other people's theories, looking at more photos, so on and so forth. by repeating this cycle, you expand your understanding. add that into taking photographs and applying the same scrutiny to them, and one day you might take some good ones.
travel, workshops, printing your work, etc. are great and all but I'm skeptical to their value when it comes to improving ones photographs. they do enrich your life and maybe if you want to catalog that your photographic dreams would come true but real talk for me personally I like taking photographs as an activity and the cataloging life part is just an externality.