(单词翻译:单击)
Every once in a while, there's a huge jackpot in the lottery and it sets off lotto mania.
每隔一段时间，就有人彩票中头奖，引发一波“彩票”热。
But before you buy your tickets, there's some things that you should know in case you do win.
因为你有可能会中头奖，所以有一些你应该在买彩票之前就弄明白的事情。
If you know that you've won, just keep quiet.
如果你知道自己中了头奖，最好保持沉默。
Don't tell anybody because you don't want it to get out that you are the winner.
不要告诉任何人，不要让别人知道是你中了奖。
And if they know your name, the media's going to find out your address and so will other people.
如果他们知道你的名字，媒体就会想办法找出你的地址，然后其他人也会得到消息。
They'll go look you up on Facebook, they'll try to contact you.
他们会去脸书上找你，试着联系你。
And a lot of that can just be scams.
其中很多人都是为了骗钱。
So just be aware that if you won and people know who you are, they might be hitting you up.
所以要知道，如果你中了奖，而别人知道你是谁，他们可能会不断联系你。
The first thing is, you know, you should get a financial advisor, a tax accountant, and a tax attorney to figure out what the best route is for you.
第一件事是，你应该寻求财务顾问、税务会计师和税务律师的帮助，让他们为你规划最佳路线。
As you know, there are always a lot of headlines about people who win huge jackpots in the lottery and lose everything.
如你所知，有很多中了彩票大奖的人最后又一无所有的头条新闻。
So you just need to find out some people you trust and immediately know what your plan is when you take the money.
所以你只需要找一些你信任的人，马上确定在你拿到钱之后的计划是什么。
How much is gonna go into investments, how much it's going to go to paying off your debt, and how much you think you need to spend every year to try to keep as much of it as possible, but still, you know, enjoy it.
用多少钱投资，用多少钱偿还债务，以及你认为每年需要花费多少钱，在享受这笔奖金的同时尽可能多地保留这些财产。
The annuity option is you get paid, you get paid each year in annual payments until the money runs out.
年金选项是你指每年得到一部分奖金，直到奖金付清。
Or else you can take the cash option, which is usually just what's in the pot right now in cash.
另一个选项是获得现金，通常是用现金一次支付你所有的奖金。
Not only does it depends on whether you take the lump sum or the annuity, but also where you bought your ticket and where you live can also be a factor.
一次性支付还是领取年金只是要考虑的内容之一，你在哪里买的彩票和你住在哪儿也可能是需要考虑的一个因素。
California doesn't even tax lottery winnings.
加利福尼亚州甚至不对彩票中的奖征税。
So if you live in California and you buy your ticket there, you pay the federal tax rate, but no state taxes, which can be huge.
因此，如果你住在加州，在那里买彩票，你只需要缴纳联邦税，但不需要缴纳州税，而不缴纳州税意味着能省下一大笔钱。
But if you're in New York, they have the highest tax rate on lottery winning, so you're not so lucky there.
但如果你住在纽约就不那么幸运了，纽约是美国对彩票中奖征收税率最高的州。
