This is a difficult decision that can take a while to sort out. Even consulting professional can take a while. So my simple rule is this.

Take 10% of the money and put it into an easily accessible account you can use day-to-day. The other 90% put in a high-interest account and forget about for 12 months.

You can then use that 12-month period to decide what you want to do, but safe in the knowledge, in this case, you have enough money readily available to live and not worry about bills. You also have the bonus of a nice lot of interest added to your sum next year.