she’s 20, she’s probably not very fiscally savvy. The most she can blow thru is $1k at a time versus blowing the whole lot over a very short time. Good call for her situation.
Since she is 20, for the first 10 years let the weekly payment fund an annuity and remain untouched. Between 30 - 40 take weekly payment and do not touch annuity.
After 40, do what ya want.