The Powerball jackpot has reached an estimated $1.8 billion for Saturday's drawing, the second-largest in US history. Winners can choose a lump sum of roughly $826.4 million or an annuity. Financial expert Dan Geltrude advises taking the lump sum if you can manage it wisely, but warns against overspending. He stresses the importance of keeping the win secret, seeking professional advice (attorney, accountant, financial advisor), paying off debts, and then planning for long-term happiness. The odds of winning are 1 in 292.2 million.

Prepared by Christopher Adams and reviewed by editorial team.