Five things to do first if you win big in Powerball or Mega Millions

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Jackpot winners get to decide between taking an immediate lump sum or spreading out their winnings over three decades. Either way, the IRS will take 24 percent before the money reaches you.

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For the $548 million Mega Millions jackpot, the cash option is $309 million. For the $314 million Powerball, it’s $179.4 million.

The 24 percent federal tax…

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