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Speaker 1: There's making trainer here one or two point seven Kiss FM.

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Speaker 1: That song is in my head all the time on loop.

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Speaker 1: It is so catchy, good for you, isn't it catchy?

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Speaker 1: It's the best I'm made you look it sounds better

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Speaker 1: in my head made you Sunshine, Sunshine? What sunshine? And

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Speaker 1: you put my glasses on Sunshine. It says no rain

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Speaker 1: hides around sixty finally, So let's just put our thinking

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Speaker 1: caps on and walk through it. What if we won

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Speaker 1: the one point three five billion dollars in that ridiculous

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Speaker 1: lottery jackpot? You know? I saw the winning tickets numbers

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Speaker 1: and I looked at those numbers, and I thought we

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Speaker 1: could have guessed those numbers. Those are all numbers we know.

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Speaker 1: I don't know because they were all in like the

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Speaker 1: forties and stuff. I I you never think that they

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Speaker 1: would never be None of those would be single digits,

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Speaker 1: like there's no single digits, weren't there, forgive my English.

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Speaker 1: But I did not think I couldn't do it when

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Speaker 1: I saw the numbers. I know, but I I don't

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Speaker 1: always play because I think it won't be I would

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Speaker 1: have gotten the mega though. That would have been my

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Speaker 1: mega number. I mean by the way. First of all,

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Speaker 1: I've been thirty and forty six, I've been all those ages.

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Speaker 1: There's so many numbers in the forties. Come on, that's like,

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Speaker 1: what are we doing? Let me think about Like my

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Speaker 1: thirty birthday was great, forty three was just a year

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Speaker 1: of nothing, forty five was a turning point, forty six

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Speaker 1: was recent. I could have picked those numbers. Remember, Yeah,

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Speaker 1: I just have to get lucky with sixty one in

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Speaker 1: the Golden fot team ball. Anyway, if we did win,

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Speaker 1: what would we do, Like, what are the real things

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Speaker 1: that you need to do? Right? Lawyer up right? Vivian

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Speaker 1: two is on, She's on TikTok as your rich bff

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Speaker 1: given you all kinds of financial advice. So Vivian, welcome

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Speaker 1: back to the show. It wasn't you, it wasn't me.

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Speaker 1: We didn't win. Thank you so much for having me

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Speaker 1: and sad, No, it wasn't us. But let's talk about

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Speaker 1: the steps that you need to go through the things

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Speaker 1: that you say that we never considered doing if we

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Speaker 1: were to win anything like that, what are they totally

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Speaker 1: so first and foremost and people forget this one. Tell

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Speaker 1: no one, not your mama and not your best friend.

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Speaker 1: Don't say anything to anything. Why is that? Because if

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Speaker 1: you actually google the lottery, curse a lot of people

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Speaker 1: and they're close relatives, friends, end up changing quite a

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Speaker 1: bit when there you know, is seven fifty million dollars

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Speaker 1: post tax involved, and I'm pretty nefarious and city of

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Speaker 1: things might happen, and you put yourself in risk. Um

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Speaker 1: if you if you shouldn't even tell your spouse, you

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Speaker 1: can tell your spouse. However, that actually comes at a

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Speaker 1: later step. First step when winning a billion dollars, as

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Speaker 1: you lie to your partner, what's next? Alright, what else?

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Speaker 1: Let's just examine that ye choose someone for life and

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Speaker 1: that you can't tell them you won. You just go

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Speaker 1: to bed that night like good night, hunting good night.

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Speaker 1: There's no way could even my incense wouldn't put me

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Speaker 1: to sleep. Okay, yeah, I want to know when that

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Speaker 1: step comes. Step two. You want to protect your physical copy.

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Speaker 1: You're gonna take digital photos of your ticket front and back,

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Speaker 1: and you're also going to take a scan of the

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Speaker 1: front and back. And what you're gonna do against contrary

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Speaker 1: opinion is you do not sign the lottery ticket yet. Um,

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Speaker 1: you want to be able to stay anonymous and if

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Speaker 1: you sign it with your legal government name, you're not

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Speaker 1: going to be able to do that. So in the

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Speaker 1: case that you are able to stay and honest, just

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Speaker 1: don't sign it yet. But put it somewhere very safe,

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Speaker 1: ideally a physical safe. Okay. What else would you say,

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Speaker 1: a physical safe like in your home or would you

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Speaker 1: go to like a bank and do a safe there,

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Speaker 1: because you're gonna the bank's going to see you, but

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Speaker 1: they don't know where you're putting in that safe, haven't you?

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Speaker 1: She says. Ideally, if you have a wall mounted or

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Speaker 1: floor counted, it's safe in your home, you can use that. UM.

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Speaker 1: And you know, I think a safe in your home

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Speaker 1: is okay. But if it's a small one that someone

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Speaker 1: could physic that safe, like you might want to consider

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Speaker 1: using a safety deposit box at a bank. UM. So

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Speaker 1: this is a step Ryan, if you would really like

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Speaker 1: to share this information with your spouse, UM, you're going

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Speaker 1: to actually reach out to either an attorney specializing in

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Speaker 1: lottery winning. So there are certain states where there have

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Speaker 1: been a historical number of lottery winners. Um, So there

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Speaker 1: are attorneys that specialize in this space. Uh. Alternatively, if

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Speaker 1: that's not the case, you can actually just reach out

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Speaker 1: to an a state planning attorney and share rough information

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Speaker 1: with them and say, essentially, I'm going to be coming

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Speaker 1: into a windfall of money. I need you to help

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Speaker 1: me set up essentially guard rails that are going to

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Speaker 1: protect me, my family and the people I care about um,

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Speaker 1: and you'll work with them and essentially share that like

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Speaker 1: you would like to collect this lottery winning a non animously,

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Speaker 1: see how long you have to collect, and they're gonna

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Speaker 1: ideally if you can collect, and honestly help you set

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Speaker 1: up the right trusts or the right entity so that

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Speaker 1: you can do so without publicly disclosing who you are.

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Speaker 1: So basically, by winning all of this money, you become

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Speaker 1: isolated and lonely because you have to guard everybody out.

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Speaker 1: Are Is there anything else you want to put these

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Speaker 1: guardrails in place ahead of time just to protect yourself up. Next,

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Speaker 1: you're going to be paying a massive, massive tax bill,

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Speaker 1: so decide now, um, how much money you're going to

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Speaker 1: be giving away to friends and family after the fact.

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Speaker 1: So your accountant is going to help you set up

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Speaker 1: how much money you are setting aside for taxes, as

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Speaker 1: well as how much you're setting aside to give to

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Speaker 1: your friends and family now, reason being, if you set

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Speaker 1: this number up front, they can't then come back to

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Speaker 1: you and say, can I have some more? Can I

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Speaker 1: get this? Can I X Y Z? Like you already

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Speaker 1: set aside that number and it's clear and demarketed. I

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Speaker 1: like that. This has been a fun sort of exercise

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Speaker 1: to think about what if it were? What if one

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Speaker 1: of us? Thanks for there's more? Sorry, no, no, last step, last,

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Speaker 1: not least. I think we've all seen the headlines people

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Speaker 1: who win the lottery, they go broken seven years something

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Speaker 1: crazy like that. So the last step is you're going

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Speaker 1: to want to invest at least of what you take

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Speaker 1: home after taxes into a diversified portfolio of low responds

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Speaker 1: and index tracking ets. At that level of wealth, you

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Speaker 1: can totally get a financial advisor to help you with that,

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Speaker 1: because essentially the point is you don't want to just

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Speaker 1: get rich, you want to stay rich. Well said, well,

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Speaker 1: too bad. This is just an exercise. The reason I

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Speaker 1: felt like I had the money, I was like, God,

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Speaker 1: I'm gonna go do that right now. All right, thanks,

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Speaker 1: you take care of you. Know what's interesting about it.

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Speaker 1: What's interesting about it all is that the biggest fear

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Speaker 1: are the people closest to us. That's my takeaway. That

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Speaker 1: was interesting. Most devices don't let anybody know around you

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Speaker 1: that's close to you. That scares me right to think

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Speaker 1: that somebody's spouse would wake up in the middle of

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Speaker 1: the night and open that safe and run away with

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Speaker 1: that spouse. She said, don't tell my spouse to right away.

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Speaker 1: She did right away. But you picked me of them

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Speaker 1: all your life. You can't tell them right away. I

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Speaker 1: mean I would, I don't. I wouldn't do it. Keep

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Speaker 1: going against the advice. There'd be impossible not to tell. Michael.

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Speaker 1: I'm a trailblazer. I go against the grain. You know. Well, listen,

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Speaker 1: there's that was one point three billion dollars in the lottery.

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Speaker 1: I've got a thousand dollars bills I'll pay next in