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There is not necessary for any do list or something. What that is important if you win huge amount of money while gambling is to have in mind not to spend more than 1% of the money won on gambling. But some people will think that they can have the luck again and dreaming of winning more huge amount of money but eventually they will lose the money. There are businesses and investment that are not risky but they will just prefer to be earning from gambling which is the cause of the problem. Gambling can make someone that is rich to become poor if the person see gambling as a means of income and not use his money on business or a good investment.
Aside from that fact that many will be carried away to think that they will win more money from their previous winning there by over extending their luck and at the end lose even more, I think also why many gamblers can't have to do list is because pf.the reason that gambling winnings are always unexpected and for that they won't have any plan for the money and will be push to use the money no matter the amount to wastefully gamble more.
Gambling is not like any other business whose outcome and profitability can easily be expected and predictable, where one can have pre plans for what to use the profits for, but gambling is a different ball game entirely and I winnings are nit expected and unplanned for so also is the usages of that rewards.