I'd invest all of it except for like 20M which would sit on my bank account. Then I'd buy a new house, nothing too fancy, maybe something that costs 5M at most. I'd buy a new car, not a Ferrari or anything because the last thing I wanna do is DIE in a bloody accident after I'd won that much money. Something practical and useful. Pay off my loans, which are ridiculously low (like 7k). Then I'd propose my GF and ask if she wanted to quit her job, move in with me and travel around the world. I'd probably pay my parents loans too and buy them a decent house. Maybe. It's not like they helped me a lot when I had financial troubles. After all of this I'm left with still over 14M to use (considering I buy the 5M house). And considering my current job pays me about 20k (euros) in a year, even if the 14M didn't grow any profit in my bank, I'd have 280k to use/year for the next 50 years, so I'm pretty much settled for life. Oh. And retire, at the age of 22 :) and play runescape all day long