1.) The annuity payment is better in a lot of situations.
2.) I'm paying off every bill I owe. I might be petty about the student loan payments though.
3.) I'd pay my family back for letting me stay in the family house.
4.) I want to say I'd give only the people who helped me a cool million, but that's how you make enemies so I guess I'd just give ten million to my uncles and aunts and gtfo.
After all that I should still have plenty of cash to do whatever the fuck I want. So I'm spending the next year traveling and seeing shit, going to concerts, etc. etc.