About 30 years ago, I read a book about lottery winners and the stories read very similar to Mr. Whitaker's, back when a mere million dollar payout was a big de

About 30 years ago, I read a book about lottery winners and the stories read very similar to Mr. Whitaker's, back when a mere million dollar payout was a big deal. Though it's possible the book had a selection bias - because who would read the stories that ended happily ever after? I'm not sure regular schmoes can avoid problems with large sums of money because we're not used to dealing with wealth or the problems it attracts. Rock stars, pro athletes, and even heirs to family fortunes have similar problems. Given the likelihood of winning, I've already spent too much time thinking about what life modifications might be needed but here goes -- 1) If you know or can access someone who has tons of money (e.g. Bill Gates), ask them. Though people such as Bill Gates probably have most of their wealth in investments, not cash. 2) Get a second address or at least access to a place under someone else's name. Assume your driver's license info will become public knowledge. 3) A couple of lawyers on retainer is good, at least one who specializes in defending against frivolous lawsuits. Maybe one who specializes in such lawsuits, just to knock them out of the pool of possible attorneys who would come after you. I heard Michael Avenatti might be available. 4) Having a friend or two in the police might help, they can find people willing to pull security details. The key phrases here are POST-certified, sworn officers. I'm not as big on hiring military-grade "operators" but maybe if you find yourself dealing with kidnappers or other hard-core types... 5) I prefer lump sum, because governments have a reputation for altering plans. Not to say a government wouldn't just confiscate one's holdings, but it's usually easier to not give something than to take it back. 6) If you are a man, seriously consider a vasectomy. That won't stop the paternity suits but you'll sleep a bit easier. Apparently celebs have doppelgangers who bed women on the reputation of others. That may be a harder scam to pull off in the age of smartphones.