£45m? Probably donate a good £20m or so to charity, buy my mum, sister, brothers and other family members houses (if they don't own one already
)... Put aside about £100k for my brother's (and maybe niece's) university fees (and the rest they can squander on booze or whatever
)... clear my mum's debts...
Then travel a hell of a lot. Buy a couple of small(ish) apartments in places that take my fancy.