Build a Windfall Policy Statement Before the Money Arrives

The best time to decide what a windfall is for is before it exists, while you're still rational about it. This drafts a personal Windfall Policy Statement: ranked priorities, hard caps on discretionary spending, rules you commit to in writing. When the money arrives, the decision's already made. For anyone expecting a sum and wanting to pre-commit.

I am expecting a windfall of approximately {EXPECTED_AMOUNT} from {SOURCE} within the next {WEEKS_UNTIL_ARRIVAL} weeks. Before it arrives, help me draft a personal Windfall Policy Statement (WPS): a written commitment document I can hold myself to. The WPS should include: (1) a hierarchy of financial priorities ranked by my stated goals: {FINANCIAL_GOALS}, (2) hard allocation caps for discretionary spending expressed as a percentage, (3) a 72-hour cooling-off rule with specific triggers that override it, (4) named accountability partners and their roles, and (5) a six-month review clause. Format it as a formal one-page document I can sign and date. Use my risk profile: {RISK_PROFILE} and family situation: {FAMILY_SITUATION}.