Lets say you were to win the powerball....

No one is guaranteed another 20, so I'd take the lump sum.

So what you're saying is you're going to blow $209 mil in a day? Because you're not guaranteed tomorrow. Foolish of you to say that. I am pretty certain ill be here in 20 yrs and the amount ill get each yr, if I die in 10 yrs, ill probably have close to $209 mil by that point. Nothing in life is guaranteed. And certainly not winning.