Would it be best to take a lump sum payment or take it over a long term for a lotto player that is in his 30s?

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What is the point in requiring every ticket buyer (like 20 million twice a week) weather they want cash or annuity in advance of winning. Would it not make more sense just to ask the winner. Do you want cash or annuity?

This has confounded me for years. Anybody know why they established this policy?

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