See I always wonder about how much to give too. My parents have a mortgage but the in laws and my grandparents don't. Neither does SIL, but my brother and his DF are buying a house. So do we give whatever the mortgage is, and then equal that to everyone else, or do we buy something specific for them? And then how do we decide how much everyone gets? Because if someone needs a car repaid that's a lot less than a house.

So yeah I've thought about it probably too much lol. We decided we'd give an equal amount to everyone depending on what we'd won. And they can spend it on what they like. Mum and Dad don't have to pay off their mortgage if they'd prefer to spend it on a holiday. Now, let's just win this $30mil tomorrow!
When we were saying "give to family" (before they all really annoyed me) - yeah, DH and I have this conversation too, despite not playing - we said about paying off mortgages and stuff. But then how much do you give to them, how much have you won, what about our children who are more important than siblings who have financial help from their in-laws... so we ended up saying if we won millions, 10% of our winnings to each sibling, 5% to parents (no mortgage and don't need it, but could spend it) and maybe if it were super millions, some money (like maybe 1%) to cousins. Cos 1% of 50 million is half a million, and that can change your life. But then that's like half our winnings gone! (And it would have to be supermillions, as there are some cousins I like more than others and don't want to play favourites.) Then again, who needs more than 25 million? And if that money paid off the mortgage for one person and not another, well, you chose the expensive house. We're just being equally nice to everyone.

A small win, under £1 mil, would mean we don't involve siblings. Because whatever I do, I won't give enough to my sister according to my mother. So we just wouldn't tell people and give to charity instead of family. Over £1 mil means we'd give siblings more than £100k, and that's a lot of money.

But then, we have to win before I decide if I actually like people enough to be that nice to them just cos we share genetics.