My dad was a financial advisor and his first piece of advice to anyone who received a financial windfall was, “Tell absolutely no one for at least six months. You can consider telling your closest friend after six months, trusted family after a year, and everyone else can go to hell.”

Yes $600K is a decent amount of money but impulse purchases are not the way to go, nor is giving chunks to family. Her biggest error was telling people. Get some financial advice first.

I'm with the people who are asking "how did this money ruin her relationships?". You cannot "ruin" a toxic relationship, which is what she had with her family, and it turns out that her relationship with her boyfriend was pretty toxic to begin with.

I feel like the money didn't ruin anything, it just accelerated the direction these relationships were going anyway. That said, BF was being ridiculous anyway, 600k is not "buy fancy cars, quit your job and live off the money"-level money anymore.

that coment "600.000 usd isnt life changing money" is out of reality, that is nearly 14.000.000 in my curency and thats a lot, that 13,5 teslas, or a nice flat at center of Capital town, or 3 flats in rural area, thats a brand new house, thats 371 montly wages, so a 30 years of not working and still geting money.... it is a life chanign money.

This is why I have NEVER trusted anyone with what is happening in my life, economically! If I were to come over a large sum of money, I would simply keep my mouth shut, or lie about how large the sum is.

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Never tell anyone about winning the lottery - estranged family are suddenly back in your life, and sadly friends show their true colours too.

When I win the lottery (as in a life-changing amount), I'm not telling anyone (except maybe an accountant). Especially not family, as a sudden influx of money will mess things up and create conflict. I will however arrange things so the benefits are shared incrementally, so everyone becomes better off, without having The Money to argue about.

I know this is hard right now, but that money seems to be a blessing in more than a financial way. Good to get those leeches and selfish a-holes out of your life. They would have been the same people without the lottery win, she just would have noticed later and maybe even in a worse way.

Large sums of money like a lottery win don’t change people’s personalities or attitudes towards money but they do amplify it. OP’s family and bf were always like this but it wasn’t important when op didn’t have any money to glom onto.

Sounds like an absolute, pure, unmixed blessing to me. She got money AND a form of x-ray vision that allowed her to see the true character of people around her. She's richer in the most meaningful sense of the word.

If you win a lot of money never tell anyone! Especially not immediately. Stay calm, make plans.

This reads like bad fiction

Getting a large sum of money in this way can truly show you the real colors of a person, or several in your case. You are not in the wrong, and you don't need to make them happy, especially not if it's instead of your own happiness. If J didn't want to go to an advisor it's suspicious. Down the road you would have been left with less money than before the winning and still break up for sure... At least this way you keep the money and can take care of your life.

The money didn't change the people around her, it just exposed them.

Depending where OP is, this could buy her a home. Get herself a modest property in good condition. Splurge on a really good inspector now to save on unexpected repairs later. There's no kids in the picture, so she won't need more than a two-bedroom at the absolute most - but I would say stick with a one-bedroom to avoid having anyone try to move in and start mooching. Unless something truly catastrophic happens, that property, which she can buy outright with no mortgage, becomes both her home and safe haven, and a safety net in these days of insane rent hikes. And when life moves on and maybe she finds someone to settle down with - buy a new home together, but keep the original property for herself and rent it out. This property would be hers and hers alone - new guy will have nothing to do with it and no claim on it. It will continue to provide income for her. And if life tosses her another lemon - she still has a home to move to once the leases are up.

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Money makes people crazy. When my mother died she left money to me in her will. I didn't expect anything from her at all as we never got along. I expected her to give whatever she had to a cousin. Fine. Her money her decision. I was shocked at not only it was left to me but the amount! Over time relatives started coming out of the woodwork with their hands out. I never would've told anyone about it but it was in her will and I was married and the husband couldn't keep his mouth shut about it. In the end, the marriage ended, family lost etc. I started over in my life with some of the money, got therapy to deal with all the garbage. Money and power make people nuts.

I stopped reading after "I called my boyfriend, J." ...

Wait, she sad that she lost relationships with her family, who she just said reconnected with her only because of the money, and lost someone who she thought she'd spend the rest of her life with, which had to have had so many redflags prior to he winning. What?

My suggestion - invest most of it in something safe that generates income, eg fixed term high interest account. Invest 500k, at 5%, that's 25k that you've got coming in. Pay off the house and any loans, get debt free, then you can relax about spending the rest.