Continue as-is - put the money aside and do nothing different at all - until you educate yourself enough to answer your own question. Until you educate yourself

Continue as-is - put the money aside and do nothing different at all - until you educate yourself enough to answer your own question. Until you educate yourself to that point, you are asking for others to siphon off that $ for themselves. The age-old adage "a fool and his money are soon parted" has some relevance here. History is replete with examples of people winning the lottery and then spending it recklessly. Asking the question is a good starting point - it shows you are aware of the possibility of making bad decisions about it (rather than a naive "it doesn't matter what I do with it" attitude). Now you must accept that there is no simple answer, the burden is on you to educate yourself and find the answers yourself. It's not the easy answer you might have been hoping for, I know. Instead it is, as I said, a special kind of burden. But one I bet many people would like to take from you ;)