If you did get a seriously large lump of cash… after a settling in period a lot of changes will happen, and you will be happy they did (IMHO).
The reason is that one of the biggest gifts that wealth gives you is TIME. A lot of the day to day crap that the rest of us need to deal with just evaporates. No need to shop (there are people for that). Want to travel… people will organise everything. There will be no waiting in lines at airports, at restaurants, at government offices… there are people for that. Someone to clean, someone to pick up the kids (unless you want to of course), someone to cook, holidays on a fuck-off huge yacht with crew to manage everything, or just to zip to Paris for the weekend.
You will probably really appreciate not having to deal with most of that crap. Also, while you probably don’t want a stupid large house, you do want privacy and so will want to get a house on 1000 acres in a gorgeous landscape (plus perhaps apartments in various cities that you like).
Imagine moving from a food insecure lifestyle to a secure lifestyle where food, safety, housing is always there. Would you want to keep your old food-insecure lifestyle? No. Same with going from a food secure lifestyle to a time-and-resource abundant lifestyle.
My approach to this is as follows:
I’m the security dude for a cloud service provider in my day job, so my goal was to use Separation of Concerns to manage my passwords. I therefore split the software from the storage, choosing software from one company, and storage from a second company. That way, it requires a failure on both parties at the same time for me to lose control of all the data.
I used to use OnePass for the software, storing the data in Dropbox. But then they removed that option, so I switched to Enpass. Data is stored in a vault on the local device and synced to a folder on Dropbox, which we both have access to from all our devices (Mac’s, iPads, iPhones). The vault is encrypted using our master password and Dropbox only sees an encrypted file. Enpass provides software that runs locally and doesn’t get a copy of my vault file.
If Dropbox has another failure and the vault gets out, then that is not a problem as long as Enpass have properly encrypted it. If Enpass has a bug making the vaults crackable - again it’s not a problem as long as Dropbox doesn’t lose control of my vault file. I update Enpass, the vault gets fixed and life goes on.
Enpass is very usable, but buggy. It crashes every night (requiring me to start it again and log in), and often loses connection to Safari and wont re-establish it. It got better with a previous update, but has got unreliable again. I’m about to look for another.
Cheers.