Even though your chances of winning tonight's $450 million Powerball jackpot are about 290 million to one.  I want to help you be smart if, by some miracle of a chance, you do win!

Here are the 5 things you need to do as soon as you find out you're the lucky one-

1.  Sign the back of the ticket.  That way no one can steal it and claim THEY won.

2.  Resist the urge to tell everyone.  Only tell the people you're closest to, and maybe not even them.

3.  Hire a money management team.  An estate planner, a financial planner, and an accountant.  And you should do it before you even claim the money, because they'll explain why you take the lump sum instead of yearly payments and how to make the most of your earnings.

4.  Don't start buying stuff yet.  44% of lottery winners blow through their entire winnings within five years.  But really, though, isn't it's kind of hard to blow through $450 million?

5. Quit your freaking job! Or at least call in sick and collect yourself!  You're a millionaire now!

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