the reason why you should take the lump sum over the 20 yearly installments is if you invest it carefully you'll make much more in the long run. Because frankly the return on 4.5 million a year + investments just won't match what even half of 20 million invested wisely over the span of 20 years.

As for me I'd pay off every kind of loan, mortage, credit card debt etc for my family. Buy them all nice cars. Set up my sister with house and my parents with a home. Most of my mother's side of the family will get hooked up. Get a couple of nice cars. this should be less than half the money. I will laugh at most of my fathers side of the family because they are assholes.

I'd invest at least 5 million in high growth funds or something risky that has big yields. put 10 million in to low risk mutual funds or in a bank to gain interest.

Travel all over the goddamn planet at least 6X. Light up cigars with 100 dollar bills.

Buy 2 kilos of coke and rent out the pent house suite of some major hotel and rock out with my buddies and 100's of the most beautiful women. = this would be a typical night for me after i've won that much money.

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butterfly - what is a wang?
occrider - an object you stick into a poon.