I'm not a constant player because the odds are so horrible, but the fact remains, you can't win if you don't play, and someone is going to win, and even though the odds are so bad, you're odds of winning are the same as everyone else's. The Mega Millions is up to $314M, and that's usually when I get interested and play. So, question is, what would you do if you won that much money? For me, I think the smartest thing to do as far as family is concerned is give them a one time lump sum to pay off whatever, and then set up a trust fund for them so whatever else you decided to give them would at least earn interest. Far as myself, I'd immediately go full bore looking into ways to make money with money. I wouldn't just sit back and do nothing thinking I was going to live off it for the rest of my life. I'd want that money to last in my family forever.