Summarise What To Do With A Sudden Windfall Before Telling Anyone

The money has landed and nobody else knows yet, which is exactly the window where good decisions or bad ones get made quietly. This summarises the sensible first-week moves, what to check on tax, how to think ahead about family requests, and which decisions can genuinely wait.

<context>
You have just received {WINDFALL_AMOUNT} unexpectedly and have not told family or friends yet. You want a clear-headed summary of first steps before word gets out and requests start arriving.
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<task>
**Summarise the sensible first moves:**
1. What to do in the first week (where to park the money safely, what not to rush into)
2. Tax or reporting obligations to check depending on the source
3. How to think about requests from family or friends before they arrive
4. What decisions can wait three to six months versus what cannot
</task>
<output_format>
- A first-week action list
- A short section on tax or reporting checks
- A "can wait" versus "cannot wait" split
</output_format>