11. 18500 rounding the change up. Feds take a quarter in tax.
I won 25K about 5 years ago just in time for a week cross-country "see Grandpa before he dies" /family funeral trip. Paid off a crap load of medical bills, credit cards, fixed the car, and put 5K in a CD just in case the tax implications were unfavorable. We didn't need to, but that's still a good way of ensuring all the money doesn't get spent during that year.