Always take lump sum. The value of the money will just decrease as time goes by and monthly increments is just going to end up with you having less money in the long term. Tie them up in various accounts and investments if you are worried about having no self control and blowing through them all in a year. 100 million is a lot of money but its a lot of cars and a few houses maybe a yacht money. Not a private jet money. You will end up in the same circle as a lot of rich people who will be blowing through more money than you have ever seen in a single day. As long you remember the limits of your money you will be fine. 100 million is more than enough for a happily ever after.