Hmm, I must still be sleeping. Go back to sleep. Wake up, message is still there...Maybe my eyes are foggy; go clean up. Read it again. Ok, assuming it's a business that hosted the competition, verify all the email addresses and phone numbers associated with them online. Check forums to see if they actually contact you from that email or phone number. Find their website and business location on Google from the contact in the message. Slap myself; yep, I'm awake.
After collecting the money, make a $100K payment towards the mortgage. Invest $400K in stocks. Put $200K to a new trust fund for my children. Leave $50K in the bank. Give my younger brother $100K. Use the remaining $150K to prepare donations and Christmas gifts for a few needy families.
Then tell my friends I won some cash.
That cash in the bank is limbo money. You can make plans before getting money, but once it gets into your hands, you suddenly have so many new things you need or that need your attention. I'm not touching any of these new things until old goals are settled.
No, I will not give money to charity. I have seen what happens to "donations". Too many charities are top heavy with their administrative costs. It's better to do the donating directly yourself; people are grateful, and you don't turn their situation into a hot news item.
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