First month - $38,000

I would probably take 10 and buy myself a car. I would like to have a BMW 7 Series, regardless of year, but I would also buy a used xb, a Dodge Nitro, a Honda Element, or some sort of VW (Passat, GTI, whatever). I would spend 8 or less for the car and use the last 2 for title and insurance.

Ten thousand I would give to my friend M for whatever she wanted. She's a good friend and I believe in her and her ideas. I think she deserves more and if I am in a position to give it to her, I will.

Ten thousand I would give to my friend E to pay off his credit cards. I don't know if this would be the best course of action because he needs to learn to reign in his spending but I know he wants to build his own house and I would help him with that if I could. Part of that is paying on his current loan to a certain amount so he can get a new loan. I would have to think about this one.

The last eight thousand I would keep for expenses of my own and a few thousand-dollar payments, to my brother R and my friend T. I might give a thousand dollars to a few charities.

The Breakdown

Lottery payouts are generally over 30 years. So 14 million divided by 10 is 1.4m and 1.4m divided by 3 is 466,666. 466,666 divided by 12 is 38,888. So generally it's $38,888 a month. Usually they pay you a yearly amount but I would try to set it up so that I had a trust account that shifted the monthly amount into my bank.