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I'd hire a lawyer, a financial planner, and an accountant before I even turn in the ticket. Once I'd claimed the money and gotten the deposits all made, I'd invest a million in gold as a trust for my kid--it'll pay for his college education and reasonable living expenses, but otherwise he can't touch it until he's graduated with at least a bachelor's degree. If he drops out of college, he gets a quarter of the money and the rest will wait until *his* kids graduate college...then get split up evenly among them.
With the other nine million, I'd buy houses, cars, furnishings, appliances, clothes and other things needed to make a home a True Home for my Mom/Stepfather and my Brother and Sister-In-Law. I'd offer the same deal to my sister, but she'd have to agree to go through counseling and (potentially) rehab first, and she'd also have to agree that if she tries to sell anything, she loses it all. I'd set up college funds for all my nieces and nephews, too.
I'd pay off my own student loans, plus ThinkBlue1966's student loans, then I'd give ThinkBlue's Mom $50,000 cash. I'd hire private detectives and Australian lawyers to track down my son's deadbeat father, take him to court to force the paternity test that he fled the country to avoid, and sue him for years and years of unpaid child support--all of which would go into OktoberKid's trust fund. I'd also offer him supervised visitation, because I don't believe in using your kids to get revenge. I'd give $100,000 to Amnesty International in honor of OktoberKid's paternal grandmother and stepgrandfather (long story.) I'd give $50,000 to OktoberKid's paternal aunt, who is the only member of his father's family to ever acknowledge him, to be used to help her kids get an education.
And of course I'd buy a home for us--likely a small, well-kept farm and acreage somewhere in Appalachia, and hire people to help take care of planting food crops--not only for our own table, but also to benefit the entire local community. I'd also start a shelter for abandoned and abused horses, and give flvegan $200,000 to start a dog rescue organization that reaches farther than Florida, and helps to shelter dogs that are victims of all kinds of abuse. I'd give $50,000 to the local Humane Society to pay for a spay/neuter/food/vaccination program for people who love animals, but can't afford Vet care and good food, because I believe that even poor people deserve the chance to love a homeless animal. Then I'd become a foster parent, and hopefully an adoptive parent to as many more needy children as I could handle at one time.
Finally, I'd donate half of my remaining money to my university, to be used in the form of small grants to help low-income students pay for college, and the other half I'd put into a trust meant to manage my estate and pay for repairs, emergency expenses, upkeep of my animal shelters, expenses related to any foster/adoptive children, etc. Then I'd sit on my front porch, watch the summer storms roll in over the forests and hills, and write poetry for the rest of my quiet, private life.
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