system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5 Why lotto winners almost always take the smaller cash prize instead of the annuity?
gpt
It's smart to do if you plan to invest the money - you can do a lot better than a 50% increase over thirty years, which is roughly the difference between the lump sum and the annuity (at least with Powerball).

More realistically, winners want a lot of money and want it immediately.