쉐도잉 연습: The biggest mistake lottery winners make - YouTube로 영어 말하기 배우기

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The U.S.
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Powerball In January 2016, the U.S.
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Powerball made history by awarding the first jackpot to exceed $1 billion.
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The three winning ticket holders were incredibly lucky,
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with odds of roughly 1 in 300 million.
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By some estimates, you're statistically more likely to be killed by a nearby meteor strike.
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After winning such a huge jackpot,
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you might assume your life would immediately become simpler.
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But there are plenty of new challenges to navigate.
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First, most experts advise hiring a lawyer to protect you from fraud,
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harassment, and other legal risks.
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It's also critical to safeguard yourself against impulsive spending,
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a trap many lottery winners fall into.
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Take one Pennsylvania Lotto winner,
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who, after winning $16.2 million, made so many extravagant purchases that he ended up in $500,000 of debt within three months.
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And you'll need to make one more decision,
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one that could dramatically shape the course of your financial future.
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Lottery winnings are typically paid out in one of two ways.
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You can choose the full jackpot amount paid out in annual installments over 30 years.
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This is known as the annuity option.
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Or you can take a much smaller lump sum paid out immediately.
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To better understand the financial implications of this choice,
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let's walk through both scenarios assuming you're the sole winner of a $3 million jackpot.
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The annuity would pay roughly $50,000 the first year.
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You'd then receive increasing annual payments for the next 30 years,
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reaching a grand total of $3 million.
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In the short term, it might make sense to pay off any high-interest debts,
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like credit cards, auto loans, student loans, or mortgages.
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In 2024, the average American owed around $100,000 across these categories.
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So the first few annuity payments could clear much of it.
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Alternatively, initial payments could go towards building an emergency fund,
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which is typically a savings account that could cover three to six months of expenses.
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This would put you ahead of most Americans.
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A 2024 survey found that only 46% of adults had enough saved funds to pay three months of bills.
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Receiving your winnings in a slow drip might not be as thrilling as an immediate tidal wave of cash.
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However, when used wisely, the annuity can provide financial stability from the start,
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while ensuring a steady income stream for the future.
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But maybe your goal is strictly to maximize your winnings.
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In that case, the upfront lump sum might actually be the better choice,
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even though you'll forfeit about half the advertised jackpot,
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and it's often subject to a higher tax rate.
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A $3 million jackpot might leave you with just $850,000 after all these deductions.
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Still, with some patience, you could end up with more money if you utilize the power of compound interest.
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Compound interest builds like a snowball.
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You earn interest on your original investment and then start earning interest on that interest.
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Benjamin Franklin famously illustrated this by leaving just £1,000 in two accounts in 1790,
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with instructions to let it compound.
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After 200 years, these funds grew to $6.5 million.
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So, if you took the $850,000 lump sum and invested it in the U.S stock market,
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it could grow exponentially over time.
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Take the S&P 500, an index fund that includes 500 leading companies and is typically considered a stable long-term investment.
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Historically, it's returned an average of 10.5% per year.
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If you'd won 30 years ago and invested the lump sum in the S&P 500,
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it'd be worth over $19 million today.
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Ultimately, choosing between the lump sum and the annuity comes down to knowing your own goals and priorities.
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Are you content to wait decades as your fortune builds?
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Does a lifetime of steady paychecks feel more reassuring than one big payout?
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What kind of life do you want to live?
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Understanding your values also makes it easier to spend with intention and avoid impulsive buys.
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And this mindset isn't just for lottery winners.
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Consider this.
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Say you spend $3 per day,
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or around $1,000 per year, on lottery tickets.
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If, at 18, you had instead chosen to invest that money consistently,
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you could likely retire with over a million dollars.
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In other words, while lottery winners are rare,
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building up your own million-dollar jackpot doesn't have to be.
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And you can start building it right now.
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TED-Ed has partnered with Gifted Savings,
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a nonprofit that gifts $1,000 investment portfolios and free financial education to young people,
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helping them learn how to grow their wealth over time.
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Learn how you can bring Gifted Savings to your school or community at ed.ted.com slash gifted savings.

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이 수업에 대하여

이번 수업에서는 복권 당첨자들이 흔히 저지르는 실수와 그로 인해 발생할 수 있는 재정적 결과에 대해 배울 것입니다. 복권에 당첨되면 많은 돈을 얻는 것처럼 보이지만, 실제로는 새로운 도전이 기다리고 있습니다. 돈 관리와 재정적 의사 결정을 하는 데 있어 필요한 몇 가지 중요한 개념을 익히게 될 것입니다.

주요 어휘 및 구문

  • jackpot (잭팟): 복권 등의 큰 상금
  • annuity (연금): 정기적으로 지급되는 금액
  • lump sum (일시불): 한 번에 지급되는 총액
  • compound interest (복리): 이자가 원금에 더해져서 다시 이자가 붙는 것
  • impulsive spending (충동 소비): 계획 없이 갑자기 구매하는 것
  • financial stability (재정적 안정성): 지속적으로 일정한 금전적 상태 유지
  • emergency fund (비상 자금): 예비 비용에 대비하여 저축해 놓은 돈

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