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How to Win the Lottery, Really - A Winning Strategy to Come Out on Top


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win all the money Opinions expressed by Forbes Contributors are their own.
Author, The Lemonade Life.
I write visit web page leadership and greatness.
It's easy to imagine how you might spend all that money.
Before you start spending your impending fortune, however, it's important to ask yourself one question.
What do you actually do if you win the lottery?
Here's what you need to know and how to execute your lottery financial game plan: 1.
Sign the back of your lottery ticket It sounds so simple, but it is the easiest step to take for granted.
Despite the advent of technology, you still need to sign the back of a winning lottery ticket.
Like a check, a lottery ticket is considered a bearer instrument.
Whoever signs the winning lottery ticket and presents a valid photo ID can claim the lottery prize.
So, sign your ticket right after you purchase it so you protect yourself in case you lose your winning ticket.
Choose a one-time, lump-sum payment or installment payments You have 60 days from the day you present your winning ticket to determine how you want to receive your prize.
You have two choices when you win the lottery: you can receive a one-time, lump-sum payment or 30 installments over 29 years.
If you choose the lump-sum payment, you will receive your prize winnings upfront, and immediately will on the full amount.
If you choose the installment plan in the form of an annuity, each installment payment will be taxed.
Which should you choose?
It depends in your personal preference.
Financially, a dollar today is worth more than a dollar tomorrow.
If you choose the lump-sum payment, you have the peace of mind of receiving all the funds today and can invest the proceeds to earn a financial return.
However, if you prefer to set an allowance for yourself to help control spending, an annuity payment plan can help instill fiscal discipline.
You should compare the after-tax proceeds and your intended investment return lump-sum payment with the after-tax annuity payments and intended investment return installment payments.
Overall, you will want to consider the time value of money — that is, how much you can earn under each scenario comparing the timing of the payments that you receive.
Assemble your financial and legal wolfpack If you win the lottery, you may need help managing your new fortune.
It is critical to have a team of trusted advisors to help you manage an array of investment, accounting, tax and legal issues.
Expect to be approached by just about every type of advisor who wants to lend a helping hand.
Invest the time to make careful selections about who you want in your inner circle.
Not all advisors are created equally, so you will want to vet personally each new advisor you retain.
Don't outsource this function.
It's your money, and you need to protect it.
You should interview each prospective candidate, and make sure he or she understands your goals.
Make sure to check their credentials to ensure they are properly licensed.
Advice is not always free so make sure to understand their fee arrangements before you retain them.
Most importantly, hire a team that tells you "no.
It's your call how you spend your money, but it's helpful to have a team that gives you honest advice even if it's not what you win all the money to hear.
Don't abandon your budget Wait, you just won hundreds of million of dollars.
Why would you still need a budget?
Financial discipline doesn't go away when you become a millionaire.
You may have more money, but that doesn't mean the same principles of personal finance do not apply.
With more financial resources, there may be more things to purchase.
That's why budgeting is even more essential.
Develop an action plan that accounts for your monthly and annual spending.
Categorize your major expenses.
Understand your income sources.
One strategy to instill financial discipline is to live off your income, not your prize winnings.
Therefore, you can preserve principal.
Take care of your heirs with an estate plan If you have an existing estate plan, now is the time to update it.
If you have never put one together, now is the time to create one.
When you win the lottery, or have any major life change, it's essential to ensure that win all the money estate plan reflects your new reality.
With an estate plan, you will want to protect your estate, institute tax planning and consider win all the money to provide for your heirs.
Say goodbye to your debt It's time to go debt-free.
If you want complete peace of mind, pay off your mortgage, student loans, here cards, personal loans and anyone else to whom you owe money.
That's the easiest path to financial freedom.
But win all the money you do that, evaluate your current financial obligations and future needs.
Not all debt is bad, however.
For example, you may have a low interest rate loan that makes financial sense if you can invest other assets in higher yielding investments.
Therefore, consider your debt in light of your larger financial plan.
Choose charities that are important to you The lottery can help change your life.
You also have the power to change the life of others.
There are countless charitable causes in which you can have a meaningful impact.
Choose the charitable causes that are most important to you, and work with your advisors to choose the most reputable charities to support.
Your advisors can also help you develop a charitable trust or other tax-efficient vehicle to give back.
Choose five numbers from 1 to 69 and one Powerball number from 1 to 26.
You can also select Quik Pik and the numbers will be selected automatically for you.
Where can I play Powerball?
The Multi-State Lottery Association administers Powerball across 44 states, Washington, D.
Virgin Islands How much does it cost to play Powerball?
Is there a limit to the number of tickets I can purchase?
What are the odds on winning the Powerball jackpot?
The odds of winning the Powerball jackpot are about 1 in 292 million.
What are the odds of being struck by lightening?
About 1 in 700,000.
If there is no winner and the jackpot increases, what are the odds of winning the next Powerball jackpot?
The click always remain the same at about 1 in 292 million, and do not change based on the dollar size of the Powerball jackpot.
Is this the largest Powerball jackpot in U.
No, this is the second largest Powerball jackpot in U.
The largest Powerball jackpot in U.
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Check out my or some of my other work.
Zack Friedman is the author of the highly-anticipated, blockbuster book, The Lemonade Life: How To Fuel Success, Create Happiness, and Conquer Anything.
Zack is the foun.


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