Florida has no lottery winnings tax, and no state income tax. So you're only on the hook for federal taxes on the winnings. The top federal rate for income is 37% over $500,000. Since they won $1M, that'd mean $370,000 taken out for taxes, leaving them with $630,000 for themselves.
If I won $630,000 I'd have my current house replaced with a newer modular home on the same property, expanded to accommodate the "man cave" that's actually our laundry shed, so it's all properly insulated under one roof instead of separate but attached structures like they are now. That'd set me back around $150,000, including the expansion and plywood sub-floors instead of the composite board that comes with the older models.
With the rest, I'd enjoy more dinners out, return to New England in late August to enjoy the county fairs and festivals and autumn color changes, be back in the Villages before Halloween. I'd probably also buy a miniature chest freezer and stock it with Maine lobster and Hummels hotdogs.
New (used) car, new(ish) golf cart, give my sister some coinage, invest most of the rest, and relax for a couple of years before worrying about our health insurance premiums again.
There's a LOT you can do with $630k. I wouldn't complain if the fed demands a chunk, if I got to keep $630k.
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