I could get 0% interest and never deplete the funds if the jackpot is big enough. Heck each million will get you 40k a year before taxes so even the bare minimum of the US national jackpots will give you 200k a year at that rate with money left over to set you up the first year until the returns start rolling in. With no need to create generational wealth I'd could park the money in something super safe and boring and dip into the principle with something major comes up.