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Ok, so you've won the mega jackpot and suddenly you're ten million dollars richer.
好吧，你中了超级大奖，突然间你就多了一千万美元。
You're a pretty smart cookie though- you do watch The Infographics Show after all- and you've seen one of our previous episodes on lottery winners who lost it all,
你很聪明，毕竟你在看的是图形信息秀节目，你已经看过我们之前的一集关于彩票中奖者失去一切的节目，
so you know you need to take some steps to protect this incredible windfall, or else you'll end up in one of our episodes as another disaster story.
因此，你要知道你需要采取一些措施来保护这笔意外之财，否则你最终就会成为我们节目中的另一个灾难性故事。
But what in the world do you do with all that money when up till now your focus has been on making it from paycheck to paycheck?
但到目前为止，你的注意力都集中在从一张支票到另一张支票上，那么你到底是如何使用这些钱的呢？
Don't worry, because as usual we've got your back with another episode of The Infographics Show- the intelligent person's guide to spending your lottery winnings.
别担心，因为像往常一样，我们会为您带来一期图形信息秀节目——《聪明人中奖消费指南》。
Winning the lottery can be a mixed bag.
中彩票可能是一件喜忧参半的事。
On one hand it can have the power to make all your dreams come true, and you can finally tell that boss of yours with the stupid little mustache exactly how you feel about him.
一方面，它可以让你所有的梦想成真，你终于可以告诉你的那个留着小胡子的蠢老板你对他的感觉。
But on the other you're going to have to deal with the instant celebrity, and a whoooollleeee lot of people in your life who suddenly want a handout.
但另一方面，你又得应对自己一夜成名的弊端，以及你生活中许许多多突然需要施舍的人。
If you've seen our episode on lottery losers then you'll know that people are going to come begging,
如果你看过我们关于彩票中奖者失去一切的那期节目，你就会知道人们会来乞讨，
and not just your own family but complete strangers who somehow think that suddenly they're entitled to some of your cash!
不仅仅是你的家人，还有一些完全陌生的人，他们突然认为他们有权得到你的一些钱！
But you'd be lucky if begging is all that comes with your lottery win,
但如果在彩票中奖后随之而来的都只是乞讨，那你就很走运了，
as some of your own family members may in fact be out to kill you just so they can hope to inherit some of your cash!
因为你自己的一些家庭成员实际上可能想设法杀了你，这样他们就有望继承你的一些财产了！
It's said that big lottery wins are good for three types of businessmen: those who sell fancy vacations, ones who sell fancy cars, and hitmen.
据说中大奖对三种类型的商人有利：卖奢华度假游的，卖豪车的，还有职业杀手。
So if you don't want to end up being fleeced by leeches trying to get at your dough, or on some hitman's list, you're going to want to spend that money intelligently.
因此，如果不想你的钱财被寄生虫们所诈骗，或者被列入杀手的名单之列，你就要精明地花掉这笔钱。
First thing, it's OK to splurge some- I mean after all you did just win the lottery.
首先，挥霍一下没关系——我是说毕竟你刚刚中了彩票。
Get yourself a few fancy things, take a nice vacation- maybe take some of your more murderous family members with you to stay on their good side. But don't go overboard with it.
给自己买些奢华的东西，好好度个假——或许带上那些居心叵测的家庭成员一起以博得好感。但不要做得太过火了。
First, if you start spending big it's only going to encourage moochers and beggars,
首先，如果你开始大手大脚花钱，那只会怂恿了揩油者和乞丐，
and suddenly you're going to start finding people that you played jump rope with for one day in kindergarten popping up in your life, claiming you're the best of friends.
然后你会突然间发现，那些与你在幼儿园某一天玩过跳绳的人突然出现在你的生活中，声称你是最好的朋友。
Or worse, old boyfriends and girlfriends, wives and husbands, who are going to serenade you with ceaseless sonnets of their unending love for you
或者更糟的是，前任的男友和女友，前妻和前夫，他们会没完没了的为你吟唱十四行诗以示对你无尽的爱，
or who by the way, also might hire someone to try to kill you.
或者顺便说一下，他们也可能会雇人来杀你。
It's not just family you have to worry about.
你要担心的还不只是家人。
But there's another good reason why you shouldn't start spending money right away- it attracts criminals.
但是还有另外一个你不应该马上开始花钱的原因——它会吸引罪犯。
Lottery winners are prime targets for thugs who intimidate, coerce or outright threaten winners into giving them large sums of money,
彩票中奖者是那些恐吓、胁迫或直接威胁中奖者给他们大笔钱财的暴徒们的主要目标，
or perhaps bundles of all the expensive things they just bought.
或者可能是他们刚买的所有昂贵的东西。
Even more insidious though, it attracts a specific type of criminal: the scam artist.
然而，更阴险的是，它吸引了一种特定类型的罪犯：骗子。
These professional con men will grease their way into your life claiming to be anything from a financial advisor to a business entrepreneur
这些专职骗子会以各种各样的身份渗透进你的生活，声称自己是财务顾问、企业家，
or they might actually pose as old friends you lost touch with.
或者他们可能会伪装成你失去联系的老朋友。
Whatever their mark's emotional vulnerability, these pros will exploit it for their own benefit.
不管他们目标的情感有多脆弱，这些专老手都会利用这一点为自己谋利。
So the best way to avoid all this unwanted attention, is to spend discreetly.
因此，避免所有这些不必要的关注的最好方法，就是谨慎地消费。
A few luxuries are nice, but don't suddenly go from driving a Ford Fiesta with a clutch that sticks to zooming around in a Lamborghini.
一些奢侈品是不错的，但不要一下子就从开着带离合器的福特嘉年华换成兰博基尼。
Another prudent reason not to go into a spending spree is the simple fact that most high end luxuries don't come with a one-time price tag.
另一个不乱花钱的谨慎理由是，大多数高端奢侈品可都不是一次性的价格标签。
That fancy fiery red Lamborghini you just bought? Its monthly insurance could be as high as $568!
你刚买的那辆华丽的火红色兰博基尼？它每月的保险费可能高达568美元！
Think buying a mansion is a smart move?
你认为买豪宅是明智之举吗？
Hope you're ready for heating and air conditioning bills that are a few thousand dollars a month-big homes take a lot of heating and cooling after all.
希望你已经准备好接受一个月几千美元的暖气和空调费用——毕竟，大房子需要大量的供暖和制冷。
How about paying landscapers to keep your home from being overrun by nature? That's about one thousand a month.
花钱请园林设计师来保护你的房子不被大自然侵占怎么样？大约一个月一千美元。
Oh, and let's not forget the government, who definitely is going to get what's coming to it- property taxes every year can be in the six figures!
哦，别忘了政府，他们肯定会得到回报的——每年的房产税可以达到六位数！
So maybe set more realistic expectations for yourself, because we really can't stress it enough:
所以，也许你应该为自己设定更现实的期望，因为我们真的必须强调这一点：
luxuries are not one-time purchases, and once the money is gone there's little chance your grocery bagging income is going to cover all the fees of your new fancy lifestyle.
奢侈品不是一次性消费，一旦钱花光了，你那微薄的收入几乎不可能支付你新的奢华生活方式的所有费用。
Instead of blowing money on the things you see on TV, focus on spending the money on helping you achieve a lifestyle that can afford those things on its own
不要把钱挥霍在你在电视上看到的东西上，而要把钱花在帮助你实现一种自己能负担得起这些东西的生活方式上
you have a ten million dollar opportunity to completely change your life!
你有一个一千万美元的机会来彻底改变你的生活！
And that's the secret to why most lottery winners end up dirt broke- they see the moneys a windfall, not an opportunity, and when it runs out they are back in the same place they started.
这就是为什么大多数彩票中奖者最终身无分文的秘密——他们把这笔钱看作是一笔意外之财，而不是一次机会，当钱用完时，他们又回到了起初的位置。
So how do you prepare yourself for a brand new lifestyle and use this mula-rich godsend to catapult you into a brand new life?
那么，你如何为一种全新的生活方式做好准备，并利用这富有的天赐之物让你一跃进入全新的生活呢？
First, remain anonymous if your state's lottery rules allow it.
首先，如果你所在州的彩票规则允许的话，保持匿名。
States differ, and while in New York lottery winners are a public record,
各州不尽相同，虽然在纽约彩票中奖者是公开记录的，
other states allow winners to remain completely anonymous- which will help cut out a lot of the freeloaders and moochers coming your way.
但其它州允许中奖者完全匿名——这将有助于减少大量吃白食的人和揩油者。
You can set up a trust or limited liability company to receive the winnings in your name, with a lawyer claiming the prize on behalf of the trust.
你可以设立信托或有限责任公司，以你的名义接受奖金，由律师代表信托领取奖金。
It might sting a little to have to spend a few thousand dollars to get some suit just to show up and receive your check for you, but hey it's money well spent for the peace of mind it'll bring you.
花几千美元去买一套西装，只是为了收到你的支票，这可能有点刺痛，但这钱花得值，因为它能给你带来心灵的宁静。
Next you have to decide if you want to take the cash up front or receive payment in 30 installments over 29 years.
下一步你必须决定你是想先付现金还是在29年内分30期付款。
There's a lot of things to consider here, such as what exactly are your plans for this money?
这里有很多事情需要考虑，比如你对这笔钱的具体计划是什么？
If you don't have plans yet or if you know you'd be too tempted to spend foolishly, take the installment plan.
如果你还没有计划，或者你知道自己很容易受诱惑乱花钱，那就用分期付款的方式吧。
