I would pay off the mortgages on my kids' homes, give them each a million $$, give my church a million $$, buy a new Jeep Grand Cherokee with all the bells and whistles, buy a new boat for my husband = about 28 ft. & trailer, fix up my yard and house with new paint, nice fence, nice lawn, garden & veggie garden (all with someone doing the tilling, raking, planting for me), buy the best quilting/sewing machine available, buy my husband all the tools (like a table saw) that he ever dreamed of, a new truck for my husband buy a camper/trailer - a big new one with all the automatic buttons and a shower & bathroom in it, give a whole bunch of money to Airedale Rescue, fix a sewing room in my house just the way I want it etc etc etc etc.
In other words, I would spend and enjoy it but not waste it on gambling and such. I am in my 70s. A big windfall now would be for me to enjoy the rest of my life and then the rest would go to my kids when I was gone.