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You should also consider which way you will end up receiving more of your money,
你还应该考虑哪种方式最终能让你获得更多的钱，
as tax laws in different states might favor you taking the full payment up front over being taxed on every single annuity- or vice-versa.
因为不同州的税法可能更倾向于你提前全额支付，而不是对每一份年金都征税——反之亦然。
With taking an annuity though there's another issue to consider, and that's what'll happen to your family if you die before the 30 year period is up.
至于年金，还有另一个问题要考虑，如果你在30年期限结束前去世，你的家人将怎么办。
This will leave your family with the burden of paying an estate tax on your winnings, which could see the money quickly dry up.
这将给你的家人留下为你的奖金支付遗产税的负担，这可能会让你的钱很快会花完。
Do yourself a favor and have a conversation with some tax professionals before you decide how to get your money
在你决定如何提款之前和税务专业人士谈谈，亦是为自己着想
since you have 60 days from the time you claim your prize until you have to decide, there's plenty of time.
因为从你领取奖金到你必须做出决定的时间有60天，你有足够的时间。
Next, do the obvious thing: pay off all your debts. Just do it.
接下来，做一件稀松平常的事情：还清所有的债务。想做就做。
We shouldn't even have to explain why, but you'd be surprised at how many lottery winners cash in their big prize and continue to make monthly payments on their old debts
我们甚至不必解释原因，但你会惊讶于有多少彩票中奖者兑现了他们的大奖，并继续每月偿还他们的旧债
and then when the money is all gone they're still stuck with their old debt, and likely with a great deal of new ones.
然后当钱都没了，他们仍然深陷于旧债中，并且可能还有大量的新债务。
Don't be a dummy, bite the bullet and pay back any debt you currently have, then you can enjoy the rest of your money with a clear conscience!
别傻了，咬紧牙关还清你目前所有的债务，然后你就可以问心无愧地享受剩下的钱了！
The next thing you should do is set yourself up a team of legal and financial advisers,
接下来你要做的就是为自己组建一支法律和财务顾问团队，
and we don't mean your mom, dad, and big brother who has a rad idea to turn a used car lot into a restaurant.
我们不是指你的父母和哥哥，他们有一个把二手车店变成餐馆的绝妙主意。
We mean professionals, people with credentials that you can trust to advise you on how best to handle your money.
我们指的是专业人士，那些你可以信任的有资历的人，他们可以就如何最好地处理你的钱向你提供建议。
This is another major pitfall for lottery winners, and even though we read every day about the rich amongst us having financial advisors,
这是彩票中奖者的另一个主要陷阱，尽管我们每天都读到富人有财务顾问，
for some reason lottery winners mostly never think to actually get one themselves.
但出于某种原因，彩票中奖者大多从未想过自己也会有财务顾问。
Here's a pro tip: if even the rich and wealthy need financial advisors, it's probably because having boatloads of cash is something that needs careful management,
给你个建议：如果就连富人也需要财务顾问，那可能是因为拥有大量现金需要谨慎管理，
specially if you plan on using it to make even more boatloads of cash- which you should.
尤其是如果你打算用这些钱来赚更多的钱——你确实应该这么做。
Vet each advisor you meet with and check broker records at the financial Industry Regulatory Authority,
审查你见过的每一位顾问，并在金融行业监管局查看经纪人记录，
where you'll be able to see if they have any pending or past legal actions or legal complaints against them.
在那里你可以看到他们是否有任何悬而未决或过去的法律制裁或法律投诉。
You can do the same with attorneys and insurance agents to see if they've been subject to any state complaints or legal filings against them.
你也可以对律师和保险代理人做同样的事情，看看他们是否受到过州政府的投诉或法律文件的指控。
It's incredibly important you vet the people you're entrusting to advise you on how to manage your fortune, so don't take shortcuts.
审查你委托的人，让他们给你建议如何管理你的财富是非常重要的，所以不要走捷径。
Plus having a financial advisor lets you pass off the responsibility of telling moochers and freeloaders no onto him or her which is perfect
另外，有了财务顾问可以让你完美的推卸掉拒绝那些揩油者和吃白食的人的责任
when your big bro comes around again to tell you about his great idea to turn a former junk yard into a restaurant where the customers can eat inside old bulldozers.
当你哥再次过来告诉你他那宏大的想法，把以前的垃圾场变成餐厅，顾客可以在旧推土机内用餐。
Ask your advisors on the best route to invest your winnings,
向你的顾问咨询投资收益的最佳途径，
many will recommend that you don't even touch it for the first six months and instead put it into short-term investments that will yield some initial returns.
许多人会建议你头六个月不要碰它，而是把它投到短期投资中，这样可以获得初步的回报。
Yes, this means you won't be able to live the high-life right away, but you're already putting your money to work for you,
是的，这意味着你不能马上过上高质量的生活，但你已经在用这些钱投资了，
and you'll be able to tell people you can't give any money away because it'll be safely tied up with various investments.
你还可以告诉人们你没法把钱捐出去了，因为这些钱都做了各种投资。
In six months time you can start to live off the interest earned on those investments and ask your financial team for more long term plans.
在6个月的时间里，你可以开始依靠这些投资赚来的利息生活，并向你的财务团队寻求更多的长期计划。
And no matter how insistent he is, continue to ignore your big brother's idea to turn an old bowling alley into a Nerf-gun arena and Hooters restaurant all in one.
不管他有多固执，继续无视你哥哥想把一个老保龄球馆变成Nerf软弹枪竞技场和猫头鹰餐厅的主意。
While your money is being invested, learn to live within a budget.
当你的钱被投资时，要学会精打细算。
Set spending limits for yourself, or better yet ask your lead advisor to set up a monthly allowance for yourself.
为自己设定支出限额，或者更好的办法是让你的首席顾问给你设定一个每月的限额。
As your money does more work for you and earns more, this monthly allowance can grow to reflect your growing fortune.
随着你的钱为你做的更多，赚的钱更多，每月的限额也会随着你财富的增长而增长。
It might feel like being a kid again, and might be frustrating that you're not living the high life right away,
这可能会让你感觉像变回了一个孩子，可能会因为你没有马上过上好日子而感到沮丧，
but prudence and discipline will be exactly what lets you completely redefine your lifestyle, and in a few years your money will have (hopefully) exponentially grown through wise investments.
但是这种谨慎和自律将会让你完全重新定义你的生活方式，并且在几年后，通过明智的投资你的钱将会（希望如此）呈指数级增长。
Another smart move will be to set up an annual charitable donation.
另一个明智的做法是设立年度慈善捐赠。
Not only will you be doing a good thing for others, but those who donate to charity are eligible for huge income tax deductions
你不仅会为他人做好事，而且那些捐给慈善机构的人也有资格享受巨额的所得税减免
and remember your income taxes are now going to be based off your new wealth, and not your old paycheck from bagging groceries,
记住，你的所得税现在将取决于你的新财富，而不是你以前打包杂货的工资，
so basically don't expect a return on your taxes and instead expect to owe. A lot.
所以，基本上不要指望你的税收会有回报，而是指望你欠了钱。还很多。
But with deductions of up to 50% of adjusted gross income, you can offset how much money you're giving back to Uncle Sam and do some good at the same time, a natural win-win.
但如果扣除额高达调整后总收入的50%，你就可以抵消交给政府的钱，同时还做些好事，这是自然而然的双赢。
Honestly we can't harp enough on how prepared you need to be for taxes, because if you win big, you better be ready to pay up just as big.
坦白地说，我们再怎么强调你需要为纳税做什么准备都不为过，因为如果你赢了大笔钱，你最好也准备好支付一大笔钱。
Not only do you have to worry about property taxes on any new homes, and income taxes on your winnings, but you'll also likely for the first time have to worry about the estate tax.
你不仅要担心新房子的财产税和奖金的所得税，而且你可能还要第一次担心遗产税。
As of 2016 each person was entitled to a $5.45 million limit on tax-free transfers of wealth after they died,
截至2016年，每个人在死后享有545万美元的免税财富转移限额，
meaning this is the most money their family could receive before Uncle Sam came to get his cut.
也就是说，这是他们家在政府收税之前能拿到的最多的钱数。
So if you win big- really big- it will be prudent to start thinking about how your money is going to be handed down to your next of kin in case you die.
因此，如果你赢了一大笔钱，很大的一笔钱——你应该开始谨慎地考虑，万一你去世了，你的财产该如何留传给你的近亲。
Yet another reason why you need financial advisors.
这也是你需要理财顾问的另一个原因。
Winning the lottery can be a life-changing event, but unfortunately for most it only leads to ruin and the depressing reality of ending up exactly where they left off.
中彩票可能是件改变人生的大事，但不幸的是，对大多数人来说，这只会导致破产和令人沮丧的现实——他们又回到了原点。
For smart people though, winning the lottery is the key to creating a brand new lifestyle for themselves, and setting them on the path to financial success for life.
然而，对于聪明人来说，中彩票是他们为自己创造全新生活方式的关键，也是让他们走上通往财富成功的人生之路的关键。
But whatever you do, don't give any siblings money to open restaurants. Restaurants are terrible investments.
但不管你做什么，都不要给兄弟姐妹开餐馆的钱。餐馆是糟糕的投资。
How would you spend your lottery winnings? What would be your plan?
你会如何花你的彩票奖金？你的计划是什么呢？
Don't forget to watch our other video, why you don't want to win the lottery!
不要忘记看我们的其他视频，为什么不想中彩票呢！
And as always if you enjoyed this video don't forget to Like, Share, and Subscribe for more great content!
和往常一样，如果你喜欢本期视频，不要忘记点赞、分享和订阅以获取更多精彩内容！
