Oh, this is simple. I would have my lawyer claim it. I wouldn't tell a sole. And I would randomly send family members checks through my dummy corporation so they wouldn't know it was me. And I would make sure they signs a confidentiality agreement that they wouldn't come to me for more money and they wouldn't say who gave it to them or how much they got. I of course would pay the taxes up front, put some in trust for my munchkin, pay off all our bills, and fund my hubby's and my respective businesses. I would keep working but live life. And I would probably donate some to my church and my old high school.