There's a highly sought-after booklet on the New Zealand Lotteries website and its headline is typed in gold: "This is not a dream."
If you're fortunate enough to win the big one, the "Winners' Information" booklet offers advice on who you should divulge the good news to first, how to manage the change in your life and how to access a financial adviser.
Then there are the really important sections: "How Much Money Do You Really Have?" and "Working Out Your Net Worth".
Does it still feel like a dream? NZ Lotteries completed a survey of 500 adult New Zealanders about what they would do if they won Lotto.
Some more unusual responses included: starting a reptile park; buying chihuahuas; taking a trip to Australia to hunt pigs; buying a flash dog house with underfloor heating; purchasing a castle; becoming a philanthropic goddess; creating a motorbike track and affording fresh starched linen sheets every night.
But when it came down to it, actual Lotto winners spent their new winnings on fertility treatment, a gastric bypass, Prada shoes, an ambulance, house bus, a restaurant, varicose vein operation, golf clubs, a Rolex watch, helicopter flights and a pottery kiln.
The Winners' Information booklet says working out your priorities means making choices.