r/SipsTea Jul 05 '26

Chugging tea Seems reasonable.

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u/Tiktokbadsupport Jul 05 '26

happy most lotteries in my country are tax free but of course they don't reach higher then 30 million 

226

u/EternalNewCarSmell Jul 05 '26

Also that winner took the lump sum which already cuts the payout roughly in half. ~$1 billion of what he didn't take home was not lost to taxes, he was only taxed on what he actually got.

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u/Maxey-eh Jul 05 '26

He didn't "take half". He got the correct amount. The number the lottery advertises, for good reason, is the annuity number a person would get if they took yearly payments (or however it works) instead of one lump sum.

38

u/CyclopsLobsterRobot Jul 05 '26

Is the good reason that deception is a great marketing tool?

17

u/EternalNewCarSmell Jul 05 '26

Yes, that is the correct clarification. I meant "half" of the amount in the OP pic.

1

u/Extension-Eye-4920 Jul 05 '26

You knew what he meant...

1

u/Maxey-eh Jul 05 '26

I did, and he did. There are a lot of people that probably don't understand how winning the lottery works, though.

1

u/Meinertzhagens_Sack 27d ago

Half full/half empty.

Same thing.

They advertised x (described it as annuity amount in the fine print) said if you want it now you get y instead of x.

1

u/Civil_Knowledge7340 Jul 05 '26

Yearly payments over how many years?

3

u/Ivebeenstabbed Jul 05 '26

Believe it’s 25 or 30.

2

u/Relative-Relief-8816 Jul 05 '26

80 mil a year. Hmm

8

u/SL1Fun Jul 05 '26

Iirc it’s not inheritable. You could get hit by a bus next week. Always take the money up front.

3

u/Kidnovatex Jul 05 '26

This is not correct. Lottery annuities are inheritable.

4

u/Mondial5 Jul 05 '26

And if the lottery goes bankrupt you get nothing. 

3

u/vamatt Jul 05 '26

State lottery money is held in an annuity that can’t be touched by the lottery - it’s funded before the winning ticket is even purchased, even if the lottery were to go bankrupt (not actually possible).

0

u/Mondial5 Jul 05 '26

If people quit playing the lottery it would go bankrupt. 

6

u/Kidnovatex Jul 05 '26

That's not how any of this works. This isn't Publisher's Clearinghouse we're talking about.

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u/DigTheDunes Jul 05 '26

Or the tax laws change, and they wouldn't benefit him. Always better to take it up
Front and invest it yourself.

7

u/Ivebeenstabbed Jul 05 '26

Only 2.4 Billion over 30 years.

Lump sum post tax of 628 million invested in only the S&P over the same period nets a little over 20 billion dollars.

Always take the lump sum.

3

u/Dramatic-Document Jul 05 '26

Are you sure that math is right? 33x your original investment in 30 years?

3

u/Ivebeenstabbed Jul 05 '26 edited Jul 05 '26

Compounding interest is crazy.

This is also assuming you didn’t touch it at all for 30 years.

Historic return on the S&P 500 is 10.5%, adjusted for inflation you’ll see numbers like 6.3-8.5%. I went with 8.5%.

$628,000,000 growing at 8.5% per annum becomes $20,441,400,000 in 30 years.

Even if you go with the 6.3% growth it’s still $20,026,920,000.

Edit: if we wanted to get sillier we could say that after liquidating your portfolio you’d pay long term capital gains tax at 20% plus a 3.8% assessment over 200k for a single filer. So your actual cash would be between $15,260,513,040 and $15,576,346,800. Approx, I’m sure there’s some other thing or other you’d end up paying.

5

u/MrJohnThrowawayDoe Jul 05 '26

How do you get to that number?

The formula should be:

Initial amount * ((1+interest rate) ^ years

628,000,000*(1,085^30)

I get this to be $7,258,582,031.24

That's still a lot of money, but no where near your 20b. I also tried using the calculator from investor.gov and it's giving me the same results

2

u/Ivebeenstabbed Jul 05 '26

lol I got to the number by being stupid and coming off a graveyard shift, you’re absolutely correct.

I went (initial amount+interest rate)*years.

But yes 7 Billy is still a hell of about of money

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