Hey Miss Lizzie,
Although I didn't win the $20 Million, I am a dreamer like you and have thought about this many times.
So I think with $20 million, I would make some close friends very happy and mortgage free and look after a couple of charities. I would then take the remaining money $15 Million and Invest half of it. (75% in relatively safe or conservative growth and the other 25% in high risk, high reward areas). But the real fun now starts with the other $7.5M. With this I would drop everything, load a few of my favourite girls and dodgy males mates into a limo and head to the airport. We would then spend the next year travelling aroun the world (Rio for the Carnivale, Running of the Bulls in Spain, Skiing in Europe and Canada, Drive the Pacific Highway in USA in Mustangs, Race on the Autobahns in Germany before Oktoberfest, swim with the iguanas in Galapogas, Safari in Africa, Watch live sex shows in Amsterdam) etc etc, you get the point.
I would mandate this a polygamous holiday and I think I would call it "Sexfest 2011 - Steve's Ultimate Holiday"and sell DVD rights to Shane's World or Private Video. I have travelled far and wide in my short life so far, but honestly beleive there is nothing better to spend money on. I love trying new foods, being challenged by new/different cultures and of course experiencing some aweosme play time with many many different ladies.
Of course to win $20 Million, you need an Ozlotto jackpot or Powerball win or there are always too many other winners. Next draw you can rub your ticket on my belly instead ; )