99 million .....
5 million in trust fund for each child for when they reach 30 years old (need to learn to work hard first) - I would not tell them they have this
1 million to my best friend and her family
1 million to each of my and husband's siblings and parents
500k million to each niece and nephew and cousin
Pay off mortgage and renovate the house, fully fund the children's educations funds so they don't have any education debt, buy husband the porche he has always wanted, buy children each a reasonable practical second hand (2 or 3 year old) car of their choice (they are too young for fancy new expensive cars)
fully fund retirement fund so that principal is protected and just live off interest
set up art studio to create my art, leave job, run art studio, try to sell some of my art
set up and run organization that helps get abused women away from their abusive, homicidal partners and sets them up in new life (kind of like witness protection but for women and their children)
10 million donation to organization that fights child abuse
10 million donation to organization that fights human trafficking
10 million donation to organization that saves abused animals (with farm/property for them all to live happily if they aren't adopted)
leaves 30 million remaining - invest in very safe places for rainy day