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Annuity or Cash ValueReply
I voted for the cash please. When I was young I wanted the Annuity.
May 14, 2026, 10:35 pm - JackpotWanna - Lottery Discussion Forum

Annuity or Cash ValueReply
What would be a reasonable cut off age where one says, heck no, am taking cash I don't think that whether or not you expect to live long enough to collect all of the payments is a good reason for making the choice between cash and annuity. Being older, within reason, could argue in favor of the annuity. If you're under 50 or 60 there are probably a lot more reasons you might want to spend a disproportionate amount of the jackpot in the first few years. If you're 70 and the cash value is $10
May 12, 2026, 10:55 pm - KY Floyd - Lottery Discussion Forum

Is the Annuity payout safe?Reply
For the most part I think the annuity is a safe option. More so with the Multi State Games. The safety of the annuity may be argued in terms of the payout duration. Are we certain of living for the next 29 years to collect all the payments? No one knows for certain. Will the tax environment change so much and affect the future payments negatively? Who knows. Is there a possibility of any country ending up like Ukraine? If yes, would I want the government to be holding my money or
May 25, 2026, 9:46 pm - JustMaybe - Lottery Discussion Forum

Annuity or Cash ValueReply
Am always torn between Cash and Annuity. But I think should I win, I would opt for the Cash Option. At a moderate 7% annual return, and a modest draw down, the money would grow past the annuity by year 10 to 15. It's true that a lot can change in 30 years, from tax laws to stability.
May 10, 2026, 9:21 pm - JustMaybe - Lottery Discussion Forum

I know that this is technically not a lottery question, it's about PCH Sweepstakes bankruptcy .Reply
Thank you for that indepth detailed link to the PCH Annuity Sweepstakes Bankruptcy. :) I was mistaken when I said he was supposed to get millions until his death, turns out he was getting $260,000 a year before taxes. That's still a very nice chunk of change to live off. There are people who work for 10 years and accumulate around $260,000 minus taxes and he was getting that every year for 10 years and not having to work. He shouldn't have blown his money frivolously.
May 26, 2026, 9:18 am - Lotto Motto - Lottery Discussion Forum

I know that this is technically not a lottery question, it's about PCH Sweepstakes bankruptcy .Reply
Thank you for telling me the right terminology, bankruptcy, not cancel. I used the wrong phrase when I said cancel a Mortgage. I guess all the PCH Annuity Sweepstakes winners will have to file for Bankruptcy. I don't know why the guy chose to buy a house with a 30 year Mortgage in the first place when he was already 51. He would have been 81 when the Mortgage was over and most likely would have been dead by then . It wasn't as if he were a young 21 year old who would have most likely still been
Today, 4:01 pm - Lotto Motto - Lottery Discussion Forum

Are you playing Mega Millions with the $5.00 per play?Reply
On Page 3 of this thread I said, I will probably play when the CASH VALUE is at $500,000,000 + , referring to the new $5 MM ticket price. Now, the PB is playing their gormless games...SO....If this UK thing happens ?? I will most likely develop the same starting point--$500 Million CASH VALUE. PB leadership has shot themselves in the foot(IMHO) with their failing to restart the jackpot at $40 Million due to Covid mess in 2020-2022. That medical problem has been subsided now for 3+ years but the
Jun 2, 2026, 12:15 pm - CDanaT - Lottery Discussion Forum

Mega Millions and Powerball RaceReply
I was comparing the annuity value of the jackpot and you are comparing the cash value of the jackpot. We are not comparing the same things.
May 16, 2026, 3:04 pm - winoneday - Lottery Discussion Forum

Annuity or Cash ValueReply
Most people reference age when they weigh the annuity or the cash value. What would be a reasonable cut off age where one says, heck no, am taking cash all the way from here
May 12, 2026, 8:27 pm - JustMaybe - Lottery Discussion Forum

Annuity or Cash ValueReply
That is a very reasonable explanation. Another key consideration would be taxes and the ability to lock the current tax rate when you go with the cash option. Politicians may not necessarily raise taxes for all, but there is a hight chance that 15 years from now the direction would be to tax those in higher income brackets more. The way the annuity is structured, you earn more in the later years, so that becomes a real risk. Thank you for all your very valid points
May 14, 2026, 9:41 pm - JustMaybe - Lottery Discussion Forum