India, Nov. 28 -- Even the memes have figured it out. There's one that goes: "If I win the lottery, I won't tell anyone. But there will be signs". And those signs are basically subtle splurges: A basement converted into a Hot Wheels shrine, kitchens with a secret pantry just for snacks, women slathering La Mer cream on their feet, a farm for 50 doggos, sorting Tira skincare from Highest to Lowest Price...

We lowkey know that getting rich overnight will probably never happen. That even if it did, we shouldn't show it off, blow it up or let it change us. But how to best manage a windfall? Experts say it depends on your age, location and your personality. Here's what to do if you ever win the lottery or find a pirate's treasure, or inherit ...