Heck, playing it smart means that you don't need to save an enormous chunk of your salary for retirement, you'll have a lot more disposable income to play with. Will be a *fun* life.
But, it's not a license to sit on your butt. Just means that you've got it a little easier than most.
Sadly, this girl sounds like she'll turn out like so many others, win a ton of money, and have nothing left after a few years but some really nice tattoos.
Use all that money to start a business. Pursue your passion in a way that helps others too.