I'm assuming it's the minimum of "$7 million" from the CA lottery, which would then be cut in half to "$3.5 million" for the cash payout, because 20+ years of payout makes no sense in a world of imperceptible inflation. I'd be left with close to that, as I'm quite familiar with tax law and available deductions. I'd pay off immediate family debt, which is minimal, leaving me with enough to use to assist. I'm assuming that an account in my name that earns interest, yet none of the funds, interest or otherwise, are used for my benefit, is fair game. If that's the case, then investments made with the same benefactors (anyone but myself) would be allowed as well. The capital gained from these investments would be used to build/recondition schools, hospitals, and housing in the small cities of my wife's origin (her mothers home is only 30 minutes from her fathers home, in separate countries sharing a common boarder), and help cover medical/education/housing costs for residents.