I would divvy 5 ways; me, DH, 2 DD's, and 1DS. The size of the win would be the key as to whether any other family members are included. Far as I know, nobody is poverty stricken throughout extended family, i.e., no charity cases to worry about. I have a friend who retired from work, then went back to part-time work when the economy tanked and she is still working; I'd help her out. If we suddenly came into millions of $$$, we might sell out here and move to the Asheville, NC area where the climate is more moderate.