Let’s say you won toto ang pao draw of $13.6M, how would you use it sustainably?

Save, Invest, get a house / fully paid it up, maybe buy 1 and rent if it makes sense.

As someone who lived alone and abroad for the past 5 years... Winning the draw would be an absolute dream.

For starters:

• Save 20% of it in a savings account
• Allocate 20% for a down payment for a house
• 30% for overall living expenses (comfortably of course)
• final 30% for investments

I once managed to win $5000 in a lucky draw and used the money in the following way:

• Saved 20% for a rainny day
• Spent 50% for living expenses (over a span of 2 months)
• Spent 10% for lifestyle expenses
• final 20% placed in an "locked" savings account

I would say what's most important is that you allocate certain % of the money in a bank account that prevents you from withdrawal. One such account would be the OCBC Bonus + Account!