I worked with and was friends with a guy whose sister, who was in her mid-20’s at the time back in the early 80’s, bought a ticket on a whim and won a lottery jackpot of around 2 million dollars before taxes, when the lottery in Maryland was a relatively new thing.
She kept a very low profile, didn’t tell anyone about it including her family at first. She paid off all her debts which according to my friend was not a lot at the time (a student college loan and a small car loan), and purchased a very nice but modest house for herself for cash, but kept working her full time job which IIRC was in corporate accounting and wisely and prudently investing the rest.
25 years later she was able to retire and live very well on the investment income alone, not touching the remaining principal. She also paid off her parent’s house but not right away. Instead of going on a spending and gifting spree right off the bat, she invested well and conservatively and lived conservatively and frugally and waited for the investments to pay off.
Many lottery winners however do not have that sort of discipline and common sense.
Whatever it was I would burn through it in 90 days. Have done it a dozen times. No reason to stop now.