A Reddit user named Ruchizzle recently spilled what it’s like to win a million dollars from a scratch-off ticket.
　　新闻网站红迪网的一位用户Ruchizzle最近吐露了通过刮刮乐中了100万美元后的生活经历。
　　Turns out winning isn’t all it’s cracked up to be, especially when your friends start to treat you like their personal ATM.
　　结果并非人们吹捧的那样，尤其是当周围的朋友都把你当成是他们个人提款机的时候。
　　Here’s what he had to say about the experience:
　　以下就是他关于个人经历的亲述：
　　What he kept after taxes:
　　税后他得到的：
　　"I took the lump sum, and after taxes the amount I got was about $400,000. People don’t realize your win counts as income and you’re in a much higher bracket. So when April rolls around, you still owe another $80-$100,000."
　　“我一次性缴纳了税款，税后我拿到的总额是40万美元左右。人们没有意识到你中彩票得到的钱也算是收入，此时你的个人所得税税率就高多了。所以当四月份到的时候，你还要另外缴纳8万到10万美元的税。”
　　On losing friends who asked for money:
　　失去了那些开口要钱的朋友：
　　"Sometimes people are a bad investment. They ask for money and treat you like an ATM."
　　“有时朋友会是一笔糟糕的投资。他们开口要钱，把你当成是提款机。”
　　Yes, he still has a day job:
　　是的，他现在仍在工作：
　　"It makes it easier to come to work knowing I have a financial cushion."
　　“对我来说，当我知道有了一笔金融储备后，再去工作压力就轻松多了。”
　　How he celebrated his win:
　　中了奖，他怎么庆祝的？
　　"Debt was the first thing to go, then I added a few things to our house ... It is hard not to go out and buy a luxury car ... but my overall focus is on having a comfortable life."
　　“还债是第一件要做的事，然后我添置了一些家具。抵住诱惑不去买豪华轿车太难了。但我的全部关注会放在过舒适的生活上。”
　　Why he chose the lump sum:
　　为什么他选择一次性支付税款：
　　"I believe the annuity would’ve been about $35,000 a year for 20 years after taxes. I decided to go with the lump sum because I don’t want to deal with the extra taxes for the next two decades. And who knows if I will live that long."
　　“缴纳税款后，以后20年里每年的养老金会是3万5千美元。我决定一次性缴税，因为我不想在接下来的20年里再缴纳多余的税款。此外谁知道我能不能活那么久呢。”
　　He didn’t play the small tickets:
　　他不买小额门票：
　　"I know it’s a lot of money, but I don’t smoke or drink so that’s my vice. I avoid the $1 or $5 tickets."
　　“我知道这是很大一笔钱，但是我不吸烟也不喝酒，因此买票就成了我的不二选择。我不买1美元或5美元的门票。”