Go to Disneyland!
Seriously, I'd finish off my transition, maybe do something about my ugly old face while I'm at it.
Then I'd make sure my nieces had enough for college and make sure my siblings were secure financially.
Then I'd probably help others with some of it. I only care about enough to live comfortably, not lavishly, so if it were a sizable amount, I could help a lot of people and not just trans people either.