I have an annuity. A small one, left to me by my father. I was using it to do some figures.

With $100k in an annuity, I was paid $2,000 a year. That means that $1m in an annuity would pay ten times that, or $20,000. Multiply that by 14 and you get $280,000. So it might be a good idea to invest in an annuity if I won some large sum. Even $7m (half of $14m, generally what you get when you take a cash prize rather than their annuity) would be $140k a year for life, which isn't bad.

Anyway, with my $23,000 this month, I would:

Give my little brother $1,000.
Give my friend M $1,000.
Give my friend T $1,000 or send him on some trip abroad (up to $5k).

$5,000 I could use to finance a small film or documentary project. Maybe on Kickstarter.com.

$5,000 I could use to finance my own documentary project (I have at least three in mind).

$5,000 I could use to find an office in the city from which to direct my projects.

$5,000 I would spend on myself - bills, food, travel, random giveaways.