The first thing I would do is set up an education fund for my two grandsons. Then I would give my dd & dsil money to purchase a new home (too many things going wrong with theirs) & a new car. I would also buy me a condo and my son a condo or home whichever he would prefer. I would then give some money to charities and make some investments for my children & grandchildrens future. I know I am dreaming especially because I don't buy a lottery ticket.