One time when I was in Toronto I saw a TV report about this lady who won the one of the Canadian lotteries (something like $3M). They get theirs lump-sum and tax-free.
Anyway she was effectively broke after a few years. She bought cars for a boatload of relatives (nice but foolish).
But her main “crime” was to renevate her house (which was apparently in a lower class neighborhood). She did the most incredibly stupid things like change all her plumbing fixtures to gold, used imported marble to redo the insides.
In a nutshell she pissed away a fortune in improvements that made her house unsellable. Who would buy a “mansion” in a poor neighborhood.
It never occurred to her to sell her old house and buy a real nice house in a better neighborhood.
She then had the balls to complain that the government didn’t do enough to educate lottery winners to prevent dumb stuff like this from happening.