Say you’re 25, young family, you win a hundred million in the lottery.
What would be your life goals? How would you raise your children?***
(Presuming you have already dealt with the question of “What would you do with it?” and “How would it change your immediate life”)
My own answer: I think my life goals would be to prolong my healthy life as long as possible. I wouldn’t want to die at 50 of pizza-clogged arteries or crashing my private plane i n Antarctica. I’d discipline myself to a sensible diet and healthy regimen of light exercise and avoid the risk of misadventures. That might be easier to say than do, but I hope I could do it. I think the value of the wealth would be the security, not the luxury.
The child-raising part is more problematic. That’s a decision you only get to make once, and it has to be the right one. I think I might just settle in a comfortable middle-class community, pretend to have a job I can do at home or maybe a small inheritance, and not even tell the kids (or neighbors) we are rich.
I’m not going to respond to the child raising inquiry. But what I would do is take the payments spread out over whatever period the lottery authority provides; 25 or 26 years. By doing so you have taken care of your family if you die the next year.
Life goals: Do whatever I felt like doing whenever.
How would I raise kids: Don’t have any. But might consider having some if I get bored of the above.
Our kid is nearly 22 years old. I have a spending plan for my eventual jackpot win, which includes creating a one-million dollar fund to cover her future educational needs.
Life goals would be pretty much what they’ve always been: to stop worrying about working to obtain the money I wish to spend, and other than that, just wing it.
That level of money is enough to last generations if stewarded but you’re not going to get that large a net return on it - 1% or 2% after taxes and fees and inflation and everything else. That gives you a million-pound income. Still, it’s important to teach the children how to manage that wealth, but also guard them from excesses. How to do it? I don’t know. Maybe if I win the £140M lottery jackpot tomorrow I’ll find out. 
At 25 I had no children. One hundred million won in the lottery, my first expense would be a vasectomy. After that I’d get to work in an attempt to die broke.
I like the way you talk.
The hypothetical asks what you would do if you were 25 with a young family, not single or childless.
As a 30-year old, I am not far off from the OP’s hypothetical. So if I won the lottery today, or if I won it 5 years ago when 25: Do what I can to make the money last as many generations as possible. I would get myself as much education in finance as possible. Learn everything about annuities, bonds, stocks, investing, banking, etc. Tithe, get family retired, etc. Then also eat as absolutely healthy a diet as possible. Get LASIK, exercise, buy lots of houses in growing urban areas and get ready to flip them for a profit a decade or two from now. Go on a few cruises, vacations, etc. But mainly back to Financial 101: Educate myself furiously about all that finance stuff. (Which I could, technically, do right now on my income right now but I haven’t got the motivation to do so, not before or unless actually winning something big) 
Not much of a hypothetical:
He took the $281M lump sum payment; after taxes, he’ll end up with about $160M.
So for now, he seems to have his head screwed on straight. He doesn’t have a young family yet, but I imagine he probably will soon, and then he will be the embodiment of your hypothetical. Check in with him in five years to see how he’s doing.
I’ve got a hundred million dollars; I’m sure I can convince the OP to modify the hypothetical.
Buy a bunch of crap, go on a bunch of crappy vacays. Then, I would finance my self right into the White-house and fix this shit.
Kids tag along. White-house would be fun, talk about living history!
I think you’ll need a lot more money than $100M.
If I were 25 with a young family, I would do the same thing as I would today.
[ul][li]Tithe[/li][li]Pay off all my debts[/li][li]If I didn’t have a house, I would buy a nice enough house in a nice enough neighborhood. Not a huge expensive one, and not in a ritzy neighborhood. Upper middle class, not upper class.[/li][li]Invest most of it.[/ul]I would not quit my job - children need to see that grown ups work. I’ll pay for college for them, and I will spoil my grandchildren rotten, but they are not to think that they have it made for life. [/li]
Regards,
Shodan
It’s not how much money you have; it’s how rich you are. You can be filthy rich while having a zero or negative amount of money.
How do you do that?
IDK Didn’t Trump do it for about $10 million? ( I may have heard wrong)
Well, you could always wake up at 7 am, shower and dress, grab your briefcase, kiss the kids goodbye, then head to the park/bar/library/zoo/wherever.
This is a good idea, but do you do it now? It doesn’t take $100m to eat well and exercise. Having the money might make it easier (hiring a personal chef and trainer certainly make it easier to eat well and exercise) or it might make it harder (steak and champagne every day!). Probably, it doesn’t make much of a difference.