You stop for coffees on your way to work and check the lottery ticket you bought on Friday.

I would secure the ticket, set up a trust to receive the funds, and would begin to make investments to grow the principal invested. I would, however, immediately make some donations to worthy charities, and I would pay for the college tuitions for the coffee guy and lady that I see most every morning as they are both students at a local university, and one of them has my friend and colleague as a professor so I really respect her ability to work nearly full time hours. Heck, I'd hire both of them to work for me, or as entrepreneurs with me as an angel investor. Both of them are are hard-working and remember orders such that your order is ready when you get to the counter, so I'd leave that door open, even through graduate school.

I would set up a charitable foundation with a portion of the money, a trust that would benefit a mix of regular contributions to specific entities as well as a flexible fund for discretionary donations, and would include provisions for specific micro-lending and grants in the developing world, whereby small community-based entrepreneurs could establish small businesses and grow them to fulfill the needs of their community. I would invest the trust funds from the initial windfall as well as from successive trust payments from my personal trusts, in stable, low-risk, boring investments, so as to have it grow and spread over many years/generations as opposed to single contributions.

I would invest in real estate, and would also buy a property in Europe for a base of operations, likely a pied-a-terre in Monaco, and likely a property close to London.

I would continue to be low-key and composed, however, comfortably wealthy, but able to handle the responsibilities and opportunities for such a life-changing sum. It would not be squandered on mansions, Ferraris, diamond-encrusted suits/boots .