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A sudden windfall — lottery, lawsuit, payout — rewires every decision you make for months, and the stories of winners who went broke within years are not about bad luck; they are about speed. The first 90 days decide everything: the hold, the team you assemble (a fee-only advisor, an accountant, a lawyer), and the leak-plugging order that secures the money before it gets spent, gifted or scammed away. This guide is that first-90-days plan, including the four people who will suddenly appear in your life and how to handle each.
first-90-days plan
Nothing except secure it: sign the ticket or claim properly, tell almost no one, and put the money in a safe account while you build a team.
The safest answer is as few people as possible — sudden wealth triggers requests, resentment and scams. Decide your giving budget privately first.
A fee-only financial advisor (not commission-based), an accountant for the tax event, and a lawyer for protection — interview all three before signing anything.
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