If the guru was to inherit billions for example he would probably undertake to spend it within a month on annuities and properties charitable/metals/lunar deeds/family is a big one and philanthropy I would be set for life but I have a different mindset than most spending it all might not make sense but an annuity will pay out for a term specified for your whole life

It is a big one that if your lottery winning has a settlement or annuity option to take that especially if you are impulsive it will allow even the most seasoned gambler to live within a budget of 29 payments each successive year this is a way smarter option rather than taking a hit of $400,000,000 in getting a lump sum think about that this is $400Million that you are just casting away right off the bat