First thing I would definitely wanna do is buy a nice house under my name (since I am still young) and move my parents and my older brother in with us so that we never have to worry about renting a home or apartment again. Obviously I'd have to do a shit ton of research into whether or not it's an HOA controlled area, because if it is, I ain't living there period.

Then I'd have to make sure we have it set up the way we want (without spending too much on furniture, decor, etcetera) so we could live comfortably enough.

After all that is done, I'd probably pay my way through college while also, knowing me, buying things I actually don't need (like art commissions and a fursuit for my fursona).

Although, I'd probably give a good chunk of the money to my parents so they can get rid of any debt they have (and some to my brother for the same reason).

Also, back on the house buying thing, there is a good chance I might just look for one directly next to an HOA operated area that they don't have any jurisdiction or control over in any way whatsoever just so that my house could be breaking all of their rules with nothing the shitty HOA could do without going to court and losing since they don't have rights over the house or land.