[gyardley]

I'm having trouble seeing how your parents' net worth is relevant here. If you're interested in AI, you get a job with an AI company or you study AI in school, same as anybody else.

I'm guessing that none of that sounds appealing, though, or you'd already be doing it / wouldn't be asking this question. My guess is you're kind of like me - because you're in a good place economically, you don't have a lot of tolerance for the hard and boring grunt work that goes into intensive study or challenging jobs, and because of that you're not going to be able to achieve something awesome.

The solution is to find the thing you love to do so much, it makes the hard and boring grunt work pleasurable. That thing probably isn't AI, since you've got a MSc in Computer Science - if your thing really was AI, you'd just be off doing it. So if I were you, I'd free up as much time as possible and then use that time to experiment widely. Get an easy job or some unstructured academic thing to keep your parents happy and then explore whatever catches your eye. When you find the right thing, I suspect you'll know it.