Earning it sounds but better, but honestly I'd rather win it. I'd give most of it away right off the bat, so if it was 'found money' I'd feel less guilty about that. Also, although I value my labor and I do like to work and have worked hard most of my life, I can't imagine anything I could possibly do in this life that would be worth a million dollars, especially when so many people are working even harder for almost nothing.
All I really want is enough, and time to write and be with my family. Anything more than that is gravy, but I know that's not the usual attitude.