If you win the lump sum and take $125mil home after taxes, that is enough to spend 5 mill on toys and houses and out the other $120mil in safe investments and live off the interest for the rest of your life. Unforunatly, not many people do that. If you put 5 million dollars into an investment (I won't even pretend to know the names of them all) and it yeilded 4% a year. That's $200,000 a year to live off of, if you already bought your house and cars and everything else you needed or play things that you wanted, thre is no reason you couldn't live off of $200,000 a year.
That's only 5 mil. Put 100 mil in the bank, even at a 2% return, thats $2mil to live off of a YEAR