I guess more people should take the 20 year payment option. At least they could only blow so much in a particular year. In the case of an ultra-large lottery like the $340 million, I'd consider taking the 20 year payment option as it'd be something like $10 million a year. But I think a person could do better protecting it even in some inflation protected bonds and so forth, the interest alone a person could and should only live on.
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