pay of all my debts, buy a house, pay off my entire families debts and buy them some stuff...

then i will go no where near a high yield savings account...i'm gonna stuff it all in my matress

think about it...lotteries are rarely under 100 million anymore...now think about that...the average life span in something like 80 years...even at 100 years that's a million bucks a year...if you can't live off that you have major problems...so why do you need a high yield savings account...you'll be dead when you run out of money (unless you plan on having money for the family after death...then that's understandable)