It could depend on what you view as "considerable." For some people $20,000 is considerable; others might not consider anything less than $5,000,000 considerable.
That being said, my suggestion to people who come into large amounts of money (i.e. large amounts to them, and whether through an inheritance, lottery, or whatever other avenue) is usually to put it in a savings account, take a step back, and not do anything with the money itself for at least a couple of months - essentially, a sort of "cooling off" period. The reason for that is that too often, people who find themselves with "sudden wealth" may want to go spend it because there are a lot of things they have always wanted (e.g. cars, houses, ATVs, boats, planes, etc.). That can be a recipe to burn through the new found money very quickly.
I also recommend that people in that situation practice using the word "no," because you will likely have friends and family (some of which you might not have heard from in years) coming out of the woodwork to "congratulate" you on your winnings, and possibly asking for "assistance" of some sort.
During this "cooling off" period, it may be a good idea to speak with, and interview, at least 3 fee-only financial planners. If you are one who has never really invested before (i.e. you don't have a lot of experience investing) and/or you just don't have any interest in investing and managing your own money, then a quality financial planner could be a great assistance. Depending on how much money you won, how old you are, your goals, and your overall financial situation, a quality planner could potentially help set things up such that you never had to worry about money again for the rest of your life.
Ultimately, if you don't have much experience investing, then I would definitely recommend working with a fee-only planner, because a lack of experience, coupled with other factors, may result in you quickly parting with your new found fortune. You can always choose to work with a fee-only planner on an hourly basis from time-to-time or you can hire him/her full time to handle financial planning and the investment management side of things as well. Either way, it can be money very well spent in the short and long-run.
Hope this helps some and good luck. Please feel free to reach out if you have other questions.
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