First, I could not do much having found this at night… everything is closed. If I had found it in the morning, the following is what I would do. Bear in mind that I would have assistance in this from my wife, her sister, her sister’s husband, and her sister’s adult daughter. What I did not have to do directly the others could help with so we could do as much of it as possible.
First off, I would contact the bank to make sure it is mine because I certainly do not want to spend all of this money only to have it, and a lawsuit,coming down on me later. Assuming that all of it is mine:
1) I would ask a savvy friend where to invest, ask him to set up any meetings for me after he has decided, and invest the most intelligent way possible, paying the friend for helping (and just plain giving him or her a bunch of it to be nice). I would call him first off so s/he could be working while I am doing the rest. While my friend was working on this I would continue:
2) pay off all of mine and my wife’s medical bills. We are never going to get free of these unless such a windfall were to occur
3) pay off all of our other outstanding debts
4) pay off all of my sister in law and brother in law’s medical bills and other debts.
5) ask my doctor’s office and my wife’s doctor’s office if I could deposit a significant amount of money for future treatment, as in 10s of thousands, because we do not have medical insurance. See if I can pay in advance for my sister in law and brother in laws copays… they have insurance but the copays are brutal and they often have to go without due to it.
6) look into any health insurance that would have my wife and I despite pre-existing conditions and, if there is one that would take either of us, pay up front for as long as possible.
7) look into paying for my utilities for as far in advance as humanly possible… if that is allowed.
8) pay our car insurance up as far in advance as they would take, changing it to full coverage.
I am certain that within business hours I could achieve that with the help of my wife, in laws, and friend. If I could manage this in 24 hours, I would then:
1) purchase a home that I could afford to maintain when I become poor again (if I could do this in 24 hours). I suspect that a realtor would be willing to work after hours for a sale. If that is not possible, pay my rent up front for as long as humanly possible.
2) if I have the time, purchase a new car, one that I shall be able to maintain and afford gas for after I am poor again.