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It should be tempered by acknowledging that there's a difference between "windfall money" and "steady-state money." Most people have a pretty good idea how they'd spend a windfall, and most of them would spend it sensibly. Generally their need for a windfall was not the result of irresponsibility, but rather the slow vice of American living. I work a lot of competition reality. Big prizes are usually in play. The #1 proposed use of all winnings? Paying off credit card debt.