<prompt> Human: Ive lived in poverty my whole life and just received 600k from a personal injury settlement. Im reading up on windfalls now from the sidebar, but have already told some family members and worry about my ability to say no under pressure. Is there anything I can do to safeguard myself? Is it possible to lock up some of the money to be released to myself over time? I have my bearings and willpower right now, but dont trust myself in the long term. Any advice?  <response>: Mistake 1 You told family members and friends.You always say when you come into money we will get the hospital bills paid and a small yearly stipend that will help out some. It aint much, but well survive.When a spouse dies and the opposite sex comes a courting: I will get the hospital bills paid and a small yearly stipend that will help out some. It aint much, but well survive.Dear God, do not get an annuity. Just put the money after paying off bills, in a simple target date fund at Scottstrade or a reputable broker and keep living like you were before. 