Most of us have spent the past few days daydreaming about what we would spend $55 million on. 

Pay off the mortgage, book a holiday, send some off to charity, throw the rest in a term deposit.

Three lucky punters each one a share of the jackpot last night - $18.3 million each. 

Not many of us will have the chance to come across tens of millions in our lives, but most of us will at some point get a large some from inheritance or a bonus or the likes. 

So what's the smart thing to do when you get a big windfall, before the excitement takes over? 

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