Perky, I recall someone near you (Hurricane) that won a BIG lottery check (about $200 mil) several years ago.
3 or 4 years later, he was broke and worse off than he was before he won.
First thing is to get a personal money manager, Work with them to set up a budget. Buy only the things that we need and not just want. Wait one month, each time when considering spending before buying anything over $10,000, cooling off period for impulsive buys.
Sell home and rent a winter rental on a lake, or salt water in a different State every year. Summers, rent a huge motor home and travel the North West.
The money manager will be the excuse when friends or family expect us to give them money, sorry no hard feelings but our money is being controlled by a 3rd. party. Trust funds for the family that can collect on their 50 year
birthday and not one day sooner.
Buy a big boat, Hell no, rent one when wanted. World travel? Hell no, too much to see and do in America, why spend my money in some other country while I can see fantastic sights in my own country and help the local comunities ?
Charity---just one The Shriner's Hospital for crippled Children in Springfield Ma. Spent 3 days free room and Board for me and Granddaughter had a birth defect operated on. God Bless the Bectash , spelling? Shriner's.
The stuff I saw going on with the children there will effect me for the rest of my life.