First I would give each of my children (3) enough to pay off their mortgages. Then I would buy a cottage on Cape Cod to spend my summers in (I am originally from that area and now live in Texas where summers are HOT). I would set up trust funds for my 5 grandchildren to help them with college when the time comes. The rest I would start a no-kill shelter for animals to give them a good life while waiting to be adopted. Other than that my lifestyle would not change a whole lot.