Moving to Tahiti. Buying a Rolls Royce. Spending your summers in the south of France. These are just a few of the images that pop up when we think about winning the lottery. One thought that certainly doesn’t come up that often is the idea of staying at your job after winning. But did you know that a whopping 48% of all lotto winners continue to work? It may be hard to believe but the reality is that winning the lottery, despite its connotations, isn’t what it’s cracked up to be.

Lottery payments are notorious for their gradual and often frustrating allotments. That is, lottery winners usually do not get their winnings all at once. Instead, lottery organizations opt to pay winners gradually. The Mega Millions lottery, for example, shells out lottery payments over a span of 30 years: one initial lump sum and another 29 payments, each one 5% greater than the one before it. For obvious reasons, this can be very frustrating for lottery winners, who want nothing more than to collect their money in peace. Add on the fact that the government — federal, state, and local — takes up to 25% of lottery winnings, lottery winners can become more than flustered. Overall, with the flow of money rather tight (at least at first), lottery winners often have to continue to work before they can live off the fat of the land.

Because of this, many lottery winners turn to annuity settlement deals to get their cash quick. Structured settlement annuities are financial arrangements in which a lottery winner signs over his or her earnings to a company for investing. In return, the company provides their lotto winnings much quicker, either in a lump sum or in a gradual (but more favorable) payment cycle. Structured settlement annuity benefits are massive, which may account for the fact that 92% of people who sell their structured settlements are ultimately happy with their decision.

When you win the lotto, just do yourself a favor: win the lotto the right way with structured settlement annuities.