Episode 12 - The Lottery Is Not A Plan

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A lottery ticket is one of the smallest purchases you can make, but it can carry a huge emotional load. I buy one now and then, not because I think it’s a plan, but because I’m curious about what that moment of possibility does to our thinking and our sense of control.

We get honest about the basics first: Powerball and Mega Millions odds are so extreme that “knowing” the odds is not the same as actually feeling them. From quick pick to choosing your own numbers, I break down why the illusion of control is so tempting, why “it could be me” hits like a dopamine rush, and how a $2 decision can quietly start to masquerade as a financial strategy if you don’t keep it in its place. Along the way, I ask the uncomfortable questions that tell you whether you’re hoping responsibly or using the fantasy to escape.

Then I run the daydream all the way through with a grounded personal finance mindset: paying bills, protecting privacy, choosing a practical car, and thinking hard about annuity vs lump sum. We talk about why the advertised jackpot is not the money you actually see once cash value and lottery taxes enter the picture, and why discipline matters more than the headline number. I also share a story tied to a 90s country song and what my grandfather taught me about money, meaning, and what still matters when the numbers disappear.

If you’ve ever caught yourself thinking the lottery might be your way out, this is a thoughtful reset. Subscribe for more critical thinking on everyday choices, share this with a friend who loves these conversations, and leave a review so more people can find the show.

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Transcript

Small Choices And Big Fantasies

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I buy a larger ticket now and then, not because I expect a miracle, but because it's a small decision. The same kind of choice as grabbing a soda or putting it back. But behind that small moment is something bigger. Something most people don't really sit with. The odds, the illusion, and the way it can start to feel more than what it really is. In this episode, I'm breaking down what it actually means to play the lottery. From how unlikely it really is to how I approach it without letting it take control. Because yeah, I play, but I also understand something. It isn't a plan and it's not a strategy. It's just a moment, and if you're not careful, you might actually treat it like something more. So in the last episode, I we discussed the idea about how money isn't real. This one I wanted to take it a little bit more friendly and more kind of playful. So I do play the lottery, but it's very rarely. So I I think I I should explain this clearly. I'm not endorsing gambling and I'm not telling you to invest your money. I'm not

Disclaimers And Entertainment Framing

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doing that stuff. I'm giving an inside look of a critical thinking process about playing these types of games. What it looks and how it's supposed to be treated as entertainment. So take it what it's worth. Really, take it what it's worth of just playing this entertainment game. So there's two lotteries out there that people more or less are familiar with. The Mega Millions and the Powerball. And both the

Mega Millions Odds Reality Check

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odds are astronom astrona how much Wow. Astronomically You know, it it's astronomical. The scale is too many numbers. So compared to getting struck by lightning, you're more likely to be you're more likely to be struck by lightning than to win any of the lottery games. That's how crazy it is. Sir, you're more likely to get struck Let's try this again. You're more likely to get struck by lightning in and in compared to winning the lottery. That's how crazy it is. So there's the quick pick and there's the chosen numbers and the illusion of control. So I I think I should explain a little bit further, you guys who don't play. So

Quick Pick And False Control

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quick pick, the computer generates a random set of numbers and says, here, here are your numbers. And there's, you know, you can also kind of like those little bubbles, fill in the there's numbers that correspond with kind of like little numbers that you fill in that you want, and you give that to the clerk, and the clerk puts it through the machine, and the same numbers are usually the numbers, like it's kind of like those tests, those standardized tests where you fill in the bubbles corresponding with letters or numbers, so it's the same idea. So you're either gambling with one or the other. And in my perspective, it is less stressful to pick your numbers with a computer and say, hey, I want to I really want to gamble and I'm putting my faith into a computer to generate my numbers. And surprisingly, sometimes those numbers are actually the the I think what I read is that quick picks actually have a slight advantage then compared to the the numbers that you pick. But I I wanna before anyone says goes out and starts buying on that method, let's let's take a step back and let's look at it in this perspective. So before we go down that route, I I know you're gonna say, well, what is your thought? Well, people believe that it could be me, you know, when in the pot the the lottery, people say it could be me. And I think that's the idea because it's a fantasy, it's an idea, you know, and it should be considered as entertainment. I mean, it's not a financial, you know, way to play because you think you're gonna win, and but that's the appeal of saying it could be me. So the difference between knowing the odds and feeling them are completely different. So with that being said, let's go to your first set of critical questions. Do I actually understand these odds or just hear them? I think this is kind of like a human kind of emotional response compared to the

Questions That Test Your Thinking

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way that we sit down to think about, you know, to analyze questions, to analyze our thoughts. Because with this type of entertainment, you know, that's what we think. You know, I don't think we understand the odds, and we don't really kind of fully engage in that conversation with ourselves. Because for me, do I actually understand the odds or do I actually just hear them? For me, I do know the odds. I actually talked to somebody that told me the odds and told me like the different ways of looking at it in that sense, which I will get to later on. So, next question: why does something so unlikely still feel possible? I I think it's just like saying that I'm gonna become a millionaire. You don't know how or why, but it's just like kind of like uh a human response. You know, I I I think that's what it comes down to is you know, it you feel like any that it's possible. Like it is possible. Like when you play a game, you feel it's possible winning. And I think that's kind of like a a human response of like kind of a a satisfaction behind that idea that it's kind of like an endorphin rush, and you know, it's a rush of feeling of a sensation, and I think that's the kind of the appeal behind it, that you know, you feel like it's possible. Again, these are just kind of random thoughts, and this is a playful subject. So why am I why am I buying a chance or am I buying a feeling? I I think for me personally, it's kind of a little

Buying A Chance Or A Feeling

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bit both. It's the feeling and it's the chance. I mean, for I think it's parabol, it's two dollars to play. So for $2, you're feeling like you're taking a chance that you could win X amount of millions of dollars overnight. Or with the mega millions, it's five dollars. And this is without the extras. This is just for getting the ticket itself, and there's such things as extras where you can play it if you you know, times it you can win the times by twice, three, four, and all these different sequences, that's kind of like an extra part of it, and it costs a little bit more. But you know, if you're going specifically for the grand prize, like me, you know, I I think of it as just buying the basic ticket. Cause, you know, it comes down to the point is like, you know, if you win the you know, let's just say you get five all five numbers, and that's one less from let's just say you get all let's just say in in one of the games it's five numbers, and the last one is the the bonus bonus ball. And then the thing is that you how do I explain this? So without buying all the extras, you you you just win whatever it is. With the with the with the extras, you have a chance to either win two times, four times, whatever the case may be, but it's not the grand prize, whatever it's advertised as. So that's the thing that you have to consider. So that's basically what it comes down to. And for me, it's you know, it's chance, but it's also a feeling, you know, like hey, I wonder what can happen if I won. And you know, I wonder what I could do, like where I could travel. And it for me, it comes off as a critical thinking exercise of like how to, you know, how would you financially plan for this? And again, these are not financial records, these are you know, financial planning, anything like that. So, as a disclaimer, this is purely speculative and using your critical thinking skills. So I don't want to get myself in trouble legally. So let's move on to the next section. So, what would I do? So, for me, I think it's an kind of like a grounded approach if I won

What I Do If I Win

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the lottery. I guess the first move is I would take care of my bills. I think everyone says that, but no one does. For me, I try to keep up with everything I can, but there are some expenses that come out of the blue, but I do my very best to pay my bills beforehand. And sometimes I don't have that luxury just because some payment instructions are not that way. And besides the point, I will pay my bills completely, so I don't have to worry about that. Take care of take care of my bills, that will have any worries for at least that month or several months or possibly years. Um, transportation, I would buy a practical car, nothing luxury. And here's the reason why. This is the the critical thinking part of it for me. I don't want a fancy car that people will break into and say, Hey, you're the you're the you're the lottery winner. I'm gonna take what you have. I'm gonna take your eight-track player, and yeah, I'm not gonna have an eight-track player, but I would just say that you know they would rather, you know, still for me, and you know, but for me, I I would take a practical approach. I wouldn't buy an electric vehicle just because you know I need a vehicle to drive on the reservation, and sometimes we don't have electricity out in the wilderness in these rural places, and you get stuck. Anyway, um so I would buy a practical car, nothing fancy, something with good gas mileage would give me from point A to point B, and that wouldn't take a lot of gas. So that's for me. You know, I would do a lot of traveling in that sense. And for me, it would be more about freedom versus showing off. And I guess that's just me. I I don't like to show off because I do pride my privacy and a lot of you know my anonymity, even though you win the Powerball, you still get your name blasted out there, and people will find you, and everyone's relatives come knocking your door and say, Please help me out. I really need to go to this basketball game because it's something that life goal, and you know, those practical things, you know, just seem kind of yeah. So I would like to keep my privacy as much as possible. How it structure the money, see, that's another thing about the um the lottery. You if you win the grand prize, you have a structure of long-term

Annuity Versus Lump Sum Basics

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annuity or a cash uh a large cash lump sum. And that's the thing that people don't realize the difference between the long-term annuity option and the lump sum. So whatever its estimate at, let's just say let's pick a random number, $100 million is advertised as the jackpot. So that's what it would be considered for, I believe, 28 or 29 years, and it's broken down kind of a smaller amount and it increases over the next 29 years. So your first payment is gonna be something like 5 million or 8 million. So it's gonna start the you know start increasing over years compared to the lump sum. So reading about the lotteries, what happens is when someone wins the the lottery, they get all the the money from all the places and they put it all together and they put it, you know, that's the lump sum. And it's not a hundred million, it's actually a lot less. I think it's projected to be about you don't get the full amount. I think what comes out to about I think what I did an estimate was it was like a third of the amount, so technically it's like 30, you know, three, you know, 30 million. So if it's a hundred million, then it's like thirty million that you would get. And you gotta remember that no, I'm sorry, it's like what is it? It's some kind of weird number. It's not the full amount and it's not half, it's below half. And but you have to remember out of that amount of what's projected, you gotta pay the taxes, the state taxes, and the federal taxes. And each state has their own set limit. Some of them don't have tax on lottery prices, and some of them do, and some of them have a higher threshold, some have a lower threshold, but then you have to pay off state, I mean federal taxes as well. So after everything's done, you only get a third of that. So let's just say 100 million comes down to about 18 million or 19 million, and these are just random numbers just to kind of give you an idea of how to look at it. So, you know, that's why I would say I will get the annuity. Because if it's a hundred million, I can kind of wait throughout the years and I won't spend my money all at once. I will at least try to discipline myself as I get more money. I will make you know better decisions, I will have a better idea of how to get that knowledge. And for me, that's how I would look at it instead of getting all my money at once. That's for me is how I would think about it in a critical thinking exercise. Um and I think that's also kind of like you know, acknowledging the temptation of having that much money and why people don't have the financial willpower to kind of look at it. So, you know, annuity, it gives you like little by little by little, so you can actually start kind of trusting yourself with it a little bit more. And that's just my idea. So, critical questions part. What I control, no, what I control the money or what it control me. I think in this context, because of the way

Discipline Money And Rising Prices

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I'm doing it, of annuity and trying to be financial responsible, I would say that I would control the money in that sense. I wouldn't let it control me. I think for the first years two, it might try to get the best of me. But you know, when you're dealing with that money, you kind of learn along the way that hey, this money doesn't go as far as it should, you know, rising prices, you know, that that home that you wanted to buy is in Northern California, and with AI, the prices of somewhere like in San Francisco, the base price of a home is two million. So my five minutes my five million, my first year comes down to three million, and so yeah, as you can see, that money doesn't you know come out to the way you want it. So it would kind of make you be a little more disciplined for each year, and I think that's how I would control it. Second question: What's the difference between freedom and overindulgence? I think that's kind of self-explanatory.

Freedom Versus Overindulgence

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You know, it's just like having a cake or eating cake every single day, and let's just say you you say, okay, you know, you have to have a cake every single day, and regardless of the financial situation, you're guaranteed a cake. So let's just say you know that this is gonna happen. So you say, hey, you know what, I have a cake, so instead of getting a cake, I'm gonna get two cakes, one for lunch and one for dinner. And before long, you kind of start overindulging yourself and saying, I get three cakes, you know, one for each for each meal, breakfast, noon, and lunch. And before long, it just seems like the cake is not as in it it loses its meaning, you know, over that amount of that time, of that whole time that you're overindulging. And before long, it's just not as as it's not as something you appreciate as much as you did before. And you're just kind of like, now you're just you're just showing off saying you can get a cake every single meal. And this is kind of a bad example, but kind of an idea about overindulgence versus freedom. And the freedom part, I think it would be more kind of on the basis of trying to, you know, the luxury of like I said, traveling, you know, being able to, like I mentioned before, I was on Amtrak and I was able to travel across the country. And for me, that's kind of like a cool experience, because you know, it costs like X amount of dollars, and I know that I'm getting my own room and you know, I can see the countryside and I can enjoy those different places, take, you know, photos and you know, look and reminisce and seeing how not reminisce, but kind of see about how people live in different places and have the conversation with other people on the train. So I think freedom is the sense of the way that I see it. Just kind of an idea. And what I think long-term or react in the moment, I think I would do both. I think I would have to think short-term and long term. For me, I think it's kind of important, kind of like I mentioned in the zombie episode. You know, you sometimes you have to plan for unexpected things that can unexpectedly happen. So of course, I would have like, you know, a retirement plan. I would have like some extra money saved on the side just in case, if God forbid, I broke my toe, and you know, then I couldn't, you know, I couldn't be on it for several weeks, then how am I gonna drive because the side I broke my toe on is on the right side, so I can't drive my car, so then I would have extra money for you know transportation-wise to drive me around or hire a driver. So you can see I would need a little extra money, so cushion, and that's my rationale, you know, that's kind of an idea. So this next moment, moments in perspective of identity. So

Identity Travel And Observing People

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I think you know, money can allow, you know, me to have a little more time, but for me it would be a deeper it would be a deeper sense of understanding instead of the luxury. And I'll kind of give you an idea. So for me, you know, winning the lottery would be like I would live in different regions. Ideally, I would probably spread out in different parts of the country and I would kind of you know think about it of living in some of these places and rent. I would say rent because owning, you would have to think about you know, upkeep, maintenance. If something breaks, you pay out of your own pocket. But if it's rental, then you know the landlords pay for everything bad, air conditioner, they come and fix it. Something happens with a plyman, they come and fix it because you're just paying rent. You're just owning a thing, and a lot of people say, Well, you're ever a millionaire, you know, you have this much money, there's money in real estate. Yes, that's true, but then you know, you gotta rate the pros and cons. And the th the critical thinking part for me is just that if I'm traveling to all these places, I don't want to own because if something breaks, then it's coming in my pocket. And I think that's for like long term saving my wealth, you know. So for me, it wouldn't be about wealth, it'd be about observation in you know, living in some of these places. Because for me, I like to kind of just observe, you know, human interactions. I would say that a coffee shop, even though. Drink coffee and I would just see how the world interacts with each other, you know, people, how they treat each other, and you know, just like with the zombie apocalypse episode, you know, just like learning and just watching human interactions of how people treat each other, you know, and I know that not everyone treats people the same way, and you know, it also varies from you know, communities, cities, different places, different regions that might have different culture towards you know how people they treat each other. And even as a person of color, being an indigenous person, I do get treated differently. So I would like to see how you know people treat each other differently, and that would be kind of like me kind of seeing that. So it's kind of studying how people interact kind of across different environments, and you know, for me, I kind of enjoy that. So that's what I would kind of get out of that because a lot of times I'm kind of a fish out of the water perspective, and it's always interesting just to see the world in that lens. And I know this is supposed to be about critical thinking, but for me, I always think about things because for me the critical thinking part is always actively engaged. So very rarely, time or very rarely I don't have that critical thinking part of my brain thinking about you know things that are different from my world, from the way I see things. So, you know, using those moments to understand people and not really escape life in a way. And I think it should also be mentioned that this episode is actually gonna slightly go a little bit longer than the last one. And I the reason because we're talking about you know the lottery, I wanted to kind of bring in a kind of a fun component. So in this next section, I like to talk about a song and my grandfather, and this is how I see money in this context.

The Song And My Grandfather

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So I think you know, in this last episode I talked about how money isn't real. And I think it for me, I I see that you know, being rich, you would see money in various ways, but you would also see money what it actually represents and what it doesn't represent. So there's a song I I can't really s sing the lyrics or say it, but basically it's it's a country song from the 90s, and it's basically about a man who had a lot of wealth and he's he bought a lot of big ticket items, and he bought many material things, and then he found out or he's he's he spent it at all and it didn't fulfill his human side, it didn't fulfill these deeper things about himself, and it it didn't accomplish that part, and it was it wasn't satisfying for him. So yeah, that's kind of the way that I see it in that sense, and that I like the song a lot. If I remember it before the end of the broadcast, I'll try to s at least give the title and the name of the the artists, but if not, then I'll just leave it at that. So basically he wasn't the money didn't bring fulfilled, it was it it what didn't bring him fulfilledness in life. That's basically what comes down to. So basically, there's a little part of the song, it kind of says money became just a measure of some of some things and that didn't matter. Did I say that right? Money became just a way of measuring some things that that didn't matter. There you go. So I liked this song because my grandfather my my grandfather had a kind of a interest in life and and you know I talk about him a lot because it's kind of funny that I bring up his stories because it's kind of interesting of how some of my perspectives are kind of shaped by some of the people of the past and trying to learn from those mistakes. So basically my grandfather died penniless. He had some wealth, but he gave it away. And it was just that that was that was the way that he he found religion at a later time in his life. And I think because what happened I I think it it kind of best describes that when his when my grandmother had passed, he became a different person. And he had money later on after his mother had passed. But he, you know, he he started to understand things later on in life, what things meant to him. And you know, for him talking to his one of his best friends kind of gave me more of insight that you know he re he gr regretted a lot of things in life, and you know, he tried to be a better person later on in life, and just kind of like money doesn't bring you happiness, money doesn't buy you time, money cannot create a sense of reality of being accepted, and it may be an illusion of acceptance, but money doesn't buy you those types of things, and that's kind of one of the reasons you know I like why I like the song. And you know, he he he gave all his stuff away to help people, and he didn't hold on to it, and there was nothing to fight over after he passed. So, you know, that's kind of an interest way of looking at it. So that's kind of way it aligns with that reflection of you know with the song. So there's two paths, you know, you can spend everything chasing the meaning and hoping for some kind of fulfillment, or you can let it go because you already understand it, what everything actually means. And my grandfather wasn't chasing wealth, he just already knew what mattered in life. And you know, all that he lost kind of puts perspective on you know how you see the world. So I think money doesn't really define success, it just reflects, you know, your decisions. Kind of interesting looking at it, doesn't it? So critical question one. If I had everything, would it actually change what matters to me? I think it kind of goes back to the

Success Without Numbers Attached

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idea that you know, you know, there are people that are extremely rich, but they still want more. And when you're looking from the glass outside, looking in, you look at it and saying, why? Why do you need more? And I'm kind of reminded by somebody wise who told me is you only need so much amount of money, and the rest is for show. And that's kind of interesting. I might be quoting a movie here, so don't so don't don't mark me as being infringing on the trademark because I think I I think some relative told me that, but I like the idea, so I'm gonna keep it in there. Um moving on to the next question because I know I get myself all banned from my podcast. Is money solving something or just covering something up? I think it kind of goes back to the same thing that money doesn't really solve anything. I think there's a rap song, and I don't want to say the name because there's some legal stuff with that person right now, half of the the do do the duel of that song. So but yeah, I think there's more issues that happen with the more money that you have. I think people kind of get an idea what song I'm talking about. So let's move on to the next part. What does success actually mean in my life without numbers attached? Well, for me, I'm kind of a spiritual person, and you know, I always pray and I don't want to be spiritual, but I do, you know, you know, say a prayer for the things I'm that are in my life, the people that are in my life, the things I have, you know, food, water, shelter, the basic elements, and of course my family. And you know, they're you know, a lot of times we have different opinions about things, but I do appreciate them very much. And then, you know, I'm appreciative of you know what this life has, what's been given to me, you know, the good and bad, because those are what makes you who you are. And I know critical questions, these are kind of coming off as kind of more of an insight of me, but again, this is a fun topic talking about the lottery. So let's let's go back to the lottery. The lottery as entertainment. In this section, I want to kind of reflect, basically, kind of end the show with this last section. So seeing

Keeping The Lottery In Its Place

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it as entertainment, so I do play but occasionally, and it's not like frequently all the time. So the analogy is basically a lottery ticket is like versus buying a soda. You know, you have a choice. You know, I would rather buy soda than buying a lottery ticket, because at least with a soda, I know that I'm getting something then and there and that it's valuable. The other one is just kind of like a game of uh chance in a sense. Uh you know, it's just like it's not extra money, just you know, a choice for you know playing the lottery, and that's the way I see it. I don't rely on it and I don't plan around it. You know, I like to kind of daydream, you know, just like kind of saying, Oh, I would do this, I would do that. And it's just a fun way to kind of free up my mind to kind of get away from the stress of the different things. So that's the way I kind of look at it. Kind of like the idea of this is the funny thing, is that you know, I tell my mom the magic beans story. You know, whenever I get a little extra money, I tell her, Oh yeah, I'm gonna go buy some magical beans, and and you know, the the joke behind that is that um, you know, I'm not gonna buy something that I know I'm not gonna get anything out of. So, you know, I'm gonna be practical around it. So, you know, I I know that buying the lottery is a fantasy and it's not really based on reality, if that makes sense. Hope the hope of it is okay, but you know, I try to, you know, keep it in its place of saying that, you know, this is just a game and the lottery equals entertainment, and it's not a life strategy. So critical questions within that part is what does entertainment turn into dependence? Oh, when does entertainment turn into dependence? That would probably rely on to the idea of what you perceive as entertainment. So I'm gonna sidestep that one and say we're gonna skip to the next question. Am I hoping am I hoping responsible responsibly or escaping reality? I'm kind of doing a little bit of both, escaping reality to kind of if I'm having a stressful day then saying, Oh, I would do this, I would, you know, kind of like just a little playful way of escaping and you know, saying, I would do this, I would do that. And at the same time being responsible. I guess you can still be responsible when you're fantasizing things, right? So what am I building? Oh sorry, the next question. What am I building that doesn't rely on luck? What am I building that doesn't rely on luck? I don't even understand that question. Maybe you guys can help me out with that. What am I building that doesn't rely on luck? I don't know, but it brings me to a great sub segue of saying it's the song I remember is called it's by an artist named Tracy Lawrence. It's a country song from the 90s, and I think it's entitled I Threw the Rest Away. So I threw the rest away by Tracy Lawrence. If you want to hear the song, it's actually a nice little catchy song, but you you kind of get the idea. So we're gonna go to the reflection part of this part and try to end it. I'm not Against the idea of winning. I I just wanna I don't want to build my life around it, you know. And the hope is fine, but

Listener Questions And Final Reflections

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you know, I have to sit next to the reality of things. If you play, how do you approach it? I guess the question is for you for you listeners, have you caught yourself thinking this might be your way out? And when I say way out, I mean like, you know, financially. So but I want to close the section. I know this a little bit longer, but this was supposed to be a fun section and for you guys to kind of enjoy it a little bit further to get that playful side of things of critical thinking, of what would you do and how would you go about it. So this is this is not whether if you play or not, it's about understanding your role. It plays in your life, and if it does affect your life, because the lottery isn't just about numbers, it's how we think about chance, control, and our future. And most of the time what actually changes in your life isn't left to the luck interesting, huh? So if you enjoy this episode, make sure you I'm sorry, I'm getting a little tired. If this episode made you think a little differently,

Share Support And Closing Thought

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share with someone who appreciates the conversation. If you want to support the podcast, check out the show notes and it helps the show grow. And as a final thought, lottery tickets give you a moment of possibility, but your life you build that comes from everything that you do outside of it. This one has depth structure, but at the same time, it's you know, you kind of have to think of it in that in that context. So I would like to say thank you for the people that have been listening to the podcast. I do appreciate you guys very much. I know this show is a little bit longer

Gratitude And Sign Off

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than you know the normal 30 minutes, but it was designed to be a little more fun because the last two episodes were kind of like a little serious. I wanted to kind of go back to kind of a fun topic for you guys to think about. So anyway, I do appreciate you guys coming by, stopping by, listening, and thank you very much. And as always, take care of yourself, take care of everyone else, be kind to others, and above all, create yourself a great day. Take care.