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.
"You have to decide that one thing is more important than another. For example, if you spend all your winnings on a valuable home and leave nothing for your children's education, you may later regret your decision."
To put things in perspective, in April last year the New Zealand Herald reported the odds of a standard ticket winning the $34 million Powerball draw was one in 3.8 million - considerably worse than being struck by lightning or killed in a car crash.
In fact, a university statistician said there was no real way of increasing your chances at winning - however, you could decrease your chances of sharing.
This can be done by selecting numbers above 31, because people tend to choose their numbers based on their loved ones' birthdays.
"Lucky" numbers such as eight - a favourite with Chinese - and seven should be avoided.
And don't bother choosing the sequence of 1-2-3-4-5-6-7.
NZ Lotteries said 2000 people selected the sequence one week in the apparent belief they would be the only ones to do so. But, then again, you have to be in to win.
Who knows? Next it could be you opening the booklet to the words "Congratulations: You're a lottery winner."
TOP 10 DREAMS:
1. Travel 23 per cent
2. Invest the money 11 per cent
3. Give to charity 7 per cent
4. Buy a new car or motorbike 7 per cent
5. Give to family or pay off family member debt 5 per cent
6. Purchase property or a house 5 per cent
7. Go on a shopping spree 4 per cent
8. Put it in the bank / bank it and think about it 4 per cent
9. Buy clothes 3 per cent
10. Buy a classic/exotic car or motorbike 3 per cent