If I Won 200 Million, What Would I Do?

If I suddenly won a major prize, the first thing I'd want to do is collect the money quietly and carefully.

I would prepare my bank card in advance and have my husband take time off work. I probably wouldn't sleep that night. Once work hours arrived, I'd go claim the prize and donate some money to feel at peace. After taxes, I'd likely have over 100 million left.

Once the money is in my account, I'd split it into several portions and deposit them in the Big Four banks for long-term fixed deposits, letting the principal sit there safely. After a few years, I could earn several million in interest annually, so I'd never have to worry about money for living expenses again.

With the remaining funds, I'd first pay off the mortgage, then buy a 400-square-meter luxury flat🏡 that I've been dreaming about. Villas aren't really suitable for daily living—they're too far away and too isolated.

For the next few years, I'd probably continue my current lifestyle, gradually adapting to this change. My daily life won't suddenly become extravagant—at most I'd buy a Panamera🚗, and occasionally take trips. Life would continue much like before, just without the burden of mortgage payments.

After a few years when the fixed deposits mature and I have stable annual income, I'd upgrade my lifestyle a bit: buy insurance for family members, prepare education funds for my children, and make my parents' living situation more comfortable.

As for the extra money, I'd actually prefer to use it for something meaningful—like sponsoring underprivileged students or donating to my alma mater to fund a small project.

Money makes life easier, but what really brings me peace is living well and being able to help others a little.