Totally agree. If you're holding at least $100k in current value, you should make an appointment with a solid financial planner, and start thinking about how you're manage your money when you cash out. Start now so that you have a good plan in place for when the time comes.

Especially if you're not accustomed to money, cash out can be a very dangerous time. You'll be emotional, and riding the high of receiving all this cash. It will be very easy to indulge and start buying things, and spending it on vacations and such. But that's the last thing you should do. And it's also why so many lottery winners end up broke 2 years after winning millions of dollars. They failed to plan.

Only after you've executed the plan, and put the money where it should go should you start looking at what's left, and making arrangements for some spending. Take care of your wellbeing before indulging in your desires.

The ability to delay gratification will be so important during this turbulent time. If you don't plan things can easily go bad.