DOLLAR AND A DREAM: The $550 million Powerball jackpot is the second highest in lottery history, but winning that sum doesn't necessarily guarantee a life free of financial ruin or despair.
NOW WHAT?: Past lotto winners and financial planners advise the newly wealthy to stick to a budget, invest wisely, learn to say no and be prepared to lose friends while riding an emotional roller-coaster of joy, anxiety, guilt and distrust.
RICHES TO RAGS: The National Endowment for Financial Education estimates that as many as 70 percent of people who land sudden windfalls lose that money within several years.
If you owe under $729k you may qualify for 3.05% APR Govt Refi Plans.