If I got at least 50 million dollars (after taxes are taken out), this is what I would do. First, I'll quit my job, if I'm not still in the Navy. If I am still in the Navy, I'll let my contract expire while my funds sit in a high-interest CD of some sort that will roll into a bank account with decent interest when my contract expires.
After that, I'll set up and invest my money in the following way before moving out of my current place.
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1. Spend 3 million on both a car and a house. That should cover even my most extravagant wants for either. Keep in mind that this does NOT include the surrounding estate. If the house in mind exceeds these expenses after I buy the car, I'll simply look for something else.
2. Take about 2.75 million of it, and give it to my close friends and family. My parents will get at least a million of this, to pay off all outstanding debts and help them to retire without worrying about finances. My siblings will get another 1-1.5 million total, and my close friends will get the rest, to help wipe out their financial troubles. Ensure that this fund is used quickly.
3. Use about 250,000 of it to make some more friends, who are inevitably going to come at my beck and call if I ever have need of them in my own right. (I'll be sure to give it to poorer people.) Save about half of this fund for tight situations, and spend the other half within the first year or two.
4. Take 10 million and buy land and other real estate. My house will be separate from this bill. Invest any remaining funds in improving the security and value of the existing real estate, or use the rest on the house, to improve on things there.
5. Get another 15 million and buy stocks and bonds. Ensure that there is money left over for trade fees if they need to be re-traded often to increase growth.
6. Use another 5 million to buy gold, silver, platinum, etc. Use the remainder of the money to secure the goods in a safe place.
7. Spend 1 million on my own education. Put all remaining funds into savings, if any.
8. Spend another 2 million on security of various kinds, to ensure my material wealth doesn't dwindle rapidly. Use the remaining for the clean-up and utility bills until the interest from my savings can take up the slack.
9. Take 1 million and use it for my own miscellaneous purposes. (This money should last a long while, as my assets are building to the point where I can live happily off the interest.)
10. Take the last 10 million and put it into a high-interest savings account. Should my other investments fail, I would be able to sustain my land and home with the interest.
11. If I should win more or less than 15 million, I'll just allot the funds in proportion to the list above.
