Maximum state lotteries in the U.S. give Lottery winners of particularly large prizes the option of taking the total prize as an annuity over several years, generally 10-20 or as a discounted lump sum now. What are the numerous factors that should be considered in selecting either alternative if the goal is to maximize the total benefit to the Lottery winner? What are the risks connected with each alternative? What does this relationship propose to potential investors as far as setting important priorities? What is the most significant determinant of meeting retirement goals?"