USD 300k Inheritance or AM Recruiting During COVID-19?

I need career advice from kind monkeys. This sounds like clickbait (because of the inheritance); but it isn't. I've made a shit go of my early career, summary below:

1) Did a favour for communist friend after uni - spent half a year building an NGO. Humble, but measurable results - got free clothing for hundreds of abandoned senior citizens + funded 3 cataract surgeries
2) Networked into Big 4 for second-tier consulting - 6 months before b-school
3) Got a non-MBA Masters degree from London Business School
4) Got a 1 year contract at a long-only equity fund specialising in EM equities - didn't get renewed because of "cost-cutting"; but I'm pretty sure I underperformed

Grandmother who loved me died. Left me money. Have also done well in US + UK stocks since 2016. Since I'm frugal, I can exist on 8k a year. I'm now financially secure for at least 2 decades, as I live in an emerging market. My options are below:

a) Risk 20k for a lifestyle business I can then spin into something impressive for second b-school run. I've also consulted with various immigration lawyers who advise me that as long as I incorporate and sell properly, I can consider this as work experience for potential residency in Canada, Australia. Expands my job set down the line.

b) Don't break the EM equities-focused AM momentum. Find whatever job I can get in my third-world country. My concern is that this may actually be a wrong move, since I'm moving from a small 100m AUM fund to a no-name bank in the middle of nowhere. I've gotten advice that a startup can be pitched as, "I prioritised feeding myself during a crap job market - and I grew tremendously along the way." Then as long as the timing is right, I can lateral back into finance as long as I don't spend too long on the business.

Retirement is a delusional non-option, despite the money. I strongly believe in earning the right to exist through work. That said, I'm cognisant of the temptation of risking all savings (hence, small bet for option A) on some pipe dream venture in the middle of a global supply shock. That said, 1.5 years of non-BB experience won't do much for me?