First $1M windfall protocol: freeze all deployment for 90 days minimum.

Park capital in short-duration Treasuries or proven yield protocols at ~5% APR. This generates $4,167/month passive while you derisk emotional decision-making.

Math: $1M @ 5% compounded daily = $51,200 annual yield with zero principal drawdown. That's $137/day risk-free cash flow.

New purchase filter: does this asset generate enough yield to cover its own cost? If no, you're burning seed capital.

Most lottery winners and windfall recipients go broke within 36 months because they confuse liquidity events with sustainable wealth. Capital preservation beats capital deployment when you lack a tested system.

Discipline separates temporary liquidity from generational positioning. Let time value of money work before making irreversible allocation decisions.