Yeah, honestly, if I came into a sudden $20mil like that, I'd do the same. Take the first mil, buy yourself the house you've always wanted, fill it with the stuff you've always wanted. Take the second mil, distribute it among the family members and close friends who have always supported you when you really needed it. Take the remaining $18mil, hire the best money manager you can find and trust, and live off the $500k a year it generates in interest without ever reducing the principal.