I don't know Zach.
I'm basically 40. 3 of my friends from school have died.
Someone could live like a Quaker and get into an accident or slip in the shower or wake up with cancer. I had a friend from college whose family won 2 separate lotteries. He's dead too.
I'm confident that brideowanian and I wouldn't be irresponsible with that payout. I would set up a trust to make sure things were taken care either way. I'm charitable by nature and the only way to handle that is to set up endowments, trusts and boards to handle it so you always have an easy answer to direct requests to...and man would them come in.
"Silence is Golden. Duct Tape is silver"