What would you do with a sudden windfall? Considering what to do with hypothetical millions isn't a bad idea.
Windfalls don't always come in the form of record lottery wins. They might be an inheritance, a bonus or – as in Wal-Mart's $3.3 billion acquisition of e-commerce company Jet.com – a big investment pay out.
Pennsylvania's Eric Martin said he was one of 10 people who won significant equity in Jet.com through a contest last year, and that he netted 100,000 shares for referring the most family and friends to the membership-based site. Some reports have valued his shared at more than $20 million.
"Up until today, it was all just a hope and a wish and a dream," Martin told CNBC. "I don't think I'm some genius person that I thought Jet was going to work out. It was a gut instinct."