Here’s hoping someday you’re actually lucky enough to need this advice. When you hit it big in the lottery- as someone in South Carolina did recently, by winning the $400 million Powerball jackpot- there are a few things you should know. First, sign your winning ticket and make copies of it in case it gets lost. And to prevent that from happening, keep the original ticket in a safe-deposit box. It’s highly recommended that you stay anonymous, to prevent unwanted attention from the media (and greedy long-lost family members, vengeful exes and bitter coworkers). If you have to give your name, do yourself a favor and make sure your phone number is unlisted. In the three-month grace period you get in most states before you have to come forward and claim your prize, round up a team of experts, including a lawyer, an accountant and a financial planner, to help you navigate the process. Financial pros usually advise taking the single lump sum instead of opting for annual allotments of cash. Now for the fun part: as for how you should actually spend your dough, consider donating to a charity, which is not only a nice thing to do, but will also reduce your taxes. You should also take this golden opportunity to pay off any outstanding debts…and resist the urge to splurge on a yacht, private jet, crystal-encrusted toilet etc.