In spite of all these as stated in the OP, I don’t see why a “To Do” list is necessary or could be a major game changer with regards to gambling wins. It’s simply individual differences, discipline and how one reacts to major changes in their finances.

In the minds of every single, thinking individual is and unwritten plan on what you need to archive through the times you hope to exists as a being. It takes a disciplined individual to actually follow that up. You don’t have to write it, it makes no difference. If you’re committed to getting better and knows just what is good for your well being, you would go about doing it. Not because you’re being pressured to or because you’ve got a big win from gambling, you just use the resources you’ve available to you to make life better with you.

Having to hope that your break through would come from gambling, making a huge win only to spend it all and come back for another trier with what is left, that’s just you not realizing when you’ve actually won.