There are plenty of articles out there on how to win the lottery, but this one is more focused on what to do after you actually do. If you happen to be one of the lucky winners, you will need a good game plan. Here are a couple of tips to get you started.
1. Be Sure You're Ready for the Attention
Winning the lottery will automatically put you in the spotlight.
The police routinely runs checks on those who win big in the lottery, and the IRS will look into your history. Anything you might be hiding will be likely to come out. Also, the media will often want to interview you, and it's a good idea to make it as boring as possible: you certainly don't want everyone around the world knowing that you have just won millions!
2. Take Your Payout in a Lump Sum Amount
You will often have the option to take more over a longer payout, but this is actually a worse deal. Taking the larger sum is better because you can immediately put it in the bank where it will start to accrue interest. Calculate these profits before deciding to take a smaller payout spread over a long period of time. It will almost always be better to take the lump sum.
3. Take Some Time to Take Stock and Clear Your Head
After you win the lottery, everything will naturally feel surreal for quite some time. It's a very good idea to take a leave of absence from your job and take stock of your situation. If at all possible, draw as little attention to your win as you can.
Taking this time off to clear your head allows you to make a rational and sober assessment of your win so you are able to make clear decisions with your winnings. Avoid making any promises right when you win that you will regret later on. Once you have had a chance to calm down, then you can consider making some of these choices.
4. Change Your Phone Number
It is inevitable that a large number of people will want to get in contact with you. It is your job to make it as difficult as possible for them to do so. Changing your phone number is one easy way to limit the amount of distractions that get through to you.
5. Purchase a security system for your home
It is common for lottery winners to purchase a new home, but even if you decide to stay put, be sure to install a security system.
6. Invest in a Financial Advising Team
The last thing you want to do is leave your money in the control of amateurs. It's likely your friends and family will have plenty of ideas for what you should do with your money, but this can be very harmful if they don't have much financial expertise.
Instead, you should hire a team of professionals, at least an investment advisor and portfolio manager. Other useful professionals include a tax accountant and estate attorney. This is very important so that your money is in the hands of a group of people and not one individual who might become swayed by a variety of factors.
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