彩票大獎得主親述：我中大獎後的人生
A Reddit user named Ruchizzle recently spilled what it's like to win a million dollars from a scratch-off ticket.
新聞網站紅迪網的一位用戶Ruchizzle最近吐露了通過刮刮樂中了100萬美元后的生活經歷。
Turns out winning isn't all it's cracked up to be, especially when your friends start to treat you like their personal ATM.
結果並非人們吹捧的那樣，尤其是當週圍的朋友都把你當成是他們個人提款機的時候。
Here's what he had to say about the experience:
以下就是他關於個人經歷的親述：
What he kept after taxes:
稅後他得到的：
"I took the lump sum, and after taxes the amount I got was about $400,000. People don't realize your win counts as income and you're in a much higher bracket. So when April rolls around, you still owe another $80-$100,000."
“我一次性繳納了稅款，稅後我拿到的總額是40萬美元左右。人們沒有意識到你中彩票得到的錢也算是收入，此時你的個人所得稅稅率就高多了。所以當四月份到的時候，你還要另外繳納8萬到10萬美元的稅。”
On losing friends who asked for money:
失去了那些開口要錢的朋友：
"Sometimes people are a bad investment. They ask for money and treat you like an ATM."
“有時朋友會是一筆糟糕的投資。他們開口要錢，把你當成是提款機。”
Yes, he still has a day job:
是的，他現在仍在工作：
"It makes it easier to come to work knowing I have a financial cushion."
“對我來說，當我知道有了一筆金融儲備後，再去工作壓力就輕鬆多了。”
How he celebrated his win:
中了獎，他怎麼慶祝的？
"Debt was the first thing to go, then I added a few things to our house ... It is hard not to go out and buy a luxury car ... but my overall focus is on having a comfortable life."
“還債是第一件要做的事，然後我添置了一些傢俱。抵住誘惑不去買豪華轎車太難了。但我的全部關注會放在過舒適的生活上。”
Why he chose the lump sum:
爲什麼他選擇一次性支付稅款：
"I believe the annuity would've been about $35,000 a year for 20 years after taxes. I decided to go with the lump sum because I don't want to deal with the extra taxes for the next two decades. And who knows if I will live that long."
“繳納稅款後，以後20年裏每年的養老金會是3萬5千美元。我決定一次性繳稅，因爲我不想在接下來的20年裏再繳納多餘的稅款。此外誰知道我能不能活那麼久呢。”
He didn't play the small tickets:
他不買小額門票：
"I know it's a lot of money, but I don't smoke or drink so that's my vice. I avoid the $1 or $5 tickets."
“我知道這是很大一筆錢，但是我不吸菸也不喝酒，因此買票就成了我的不二選擇。我不買1美元或5美元的門票。”
