Spreadsheet.

Frank: Alright, so I figured out what is going to happen with my life.

Sara: Really, What?

Frank: I am going to be surprised bigtime.

Sara: Wait, I have to write this down.

Frank: Get away from me (Fake kick in the air.) It doesn't pertain to you at all.

Sara: (Discouraged) What do you mean?

Frank: I don't want my lide published.

Sara: (after logging onto blog and starting to write this conversation down.) C'mon tell me.

Frank: I am going to win the megamillions. Iam not going to win the powerball.

Sara: Why not?

Frank: The powerball confuses me. The annuity payout increases year over year, it is not a flat payout, therefore in all of my financial models I can never truly accurately predict what my monthly take home will be. Now that the megamillions is in PA, it is a flat payout over 26 years, so it is easier to calculate how much my take home will be each year.

Sara: Oh.

Frank: I won't even get into the internal battle I have with myself over taking the lump sum vs. the annuity payout.

Sara: Oh. How do you know all of this?

Frank: Because I have a spreadsheet.

Nuff Said. Just another Wednesday night, reflecting after a long day of work and forward thinking.