如果一夜暴富，該如何處理這些錢？

What would you do if you suddenly became £1million richer overnight? Put a downpayment on a mansion? Buy a bunch of designer handbags? Spend £10 on Investing for Dummies and put the rest behind a company?
如果一夜之間存款激增百萬英鎊，你會怎麼做？衝抵房子首付、入手一堆名牌設計包包、還是花個10英鎊投資“傻瓜”系列叢書，剩下的存起來維持公司運營？

Although most of us can only dream of having our bank accounts suddenly bumped-up by £1million, that is the reality for lottery winners, successful app entrepreneurs, and college-level American football players selected in NFL drafts. Those players can go from hard-up students to millionaires in a second.
對於大多數人而言，銀行存款激增百萬這種事，大概也只能想想了。然而對於樂透贏家、程序員企業家中的成功人士、以及那些在美國職業橄欖球聯賽中被高校選中的橄欖球運動員 — 一夜暴富即爲親身經歷。於（上述）那些（橄欖球）運動員，從窮學生到暴發戶盡在一瞬間。

So, what should you do if you're unexpectedly in the money? Firstly, write down what you want and what you need, Mark Doman, a financial adviser who helps people who have accumulated wealth very quickly, told GQ. The more items there are in the ‘want’ column, the less money there will be in the ‘need’ column.
那麼，面對飛來橫財，我們該如何作爲呢？“首先，將你的所想所需落實筆頭。”專攻一夜暴富案例的金融顧問馬克·多曼如是告知《智族》雜誌。“列下的‘想要’清單越長，‘需要’清單將花費的錢財就會越少。”

Learning how to manage your money rather than trusting others is the next key lesson, according to Doman. He tells his clients that while their trust is all well and good for his ego, he urges them not to invest a single penny in an idea until they understand exactly why they are making that choice.
“下一項關鍵步驟，則是習得理財之道，不再一味依賴他人。”多曼說。他告訴他的客戶，雖然他們的信任能讓他覺得洋洋得意，但他還是敦促他們：不瞭解投資原理前千萬不要投錢下注。

Having a long-term plan and financial strategy is also important, added Doman. This includes considering a person’s earning potential; the length their career is likely to be; their spending habits; and how risk averse they are in order to create a spending strategy.
“長期規劃和理財策略也同樣重要。”多曼補充道。“這關乎人的收入潛力、職業壽命、消費方式以及在掙錢策略上的冒險程度。”

But for people who have gotten rich quickly and lost it all, Damon's advice comes a little too late.
但對於那些已經把橫財得而復失的人，多曼的建議似乎來得晚了些。

Callie Rogers, who became Britain’s youngest lottery winner aged 16 when she took home £1.9million, said in an interview that she was too young to win the lottery.
英國最年輕的樂透贏家凱莉·羅傑年僅16，卻將190萬英鎊獎金捧回了家。凱莉接受採訪表示，自己年紀尚小，中樂透頭獎似乎爲時過早。

“Suddenly, I was a local celeb and people would come up to me in pubs as if they were my best friend and I felt pressure to buy them all drinks. I didn’t know who to trust,” she told Closer magazine.
“一夜之間，我就成了當地名人。酒吧裏的人們會來和我稱兄道弟，我礙不住面子，只好請所有人喝酒。我不知道可以相信誰。”她如是對《近距離》雜誌說道。

By the time she was 26, Rogers only had £2,000 of her winnings left.
26歲時，凱莉當年的獎金只剩下屈指可數的2千英鎊。

Former Big Brother contestant Aisleye Horgan-Wallace, however, recently revealed how she has built a million pound fortune by investing in property.
不過最近，《老大哥》節目（一個真人秀）的老選手艾莎耶·霍根-華萊士分享了自己投資房產賺取百萬的經驗。

"I came out of the Big Brother house and I thought, ‘I’ll ride this wave, five, ten minutes, however long it lasts whatever comes my way’."
“從《老大哥》的房子出來，我暗暗對自己說‘無論如何，我也要趕上這波浪，五分鐘也好，十分鐘也罷。’”

"I put the money straight into property. I didn’t buy one pair of shoes, one handbag, I didn’t spoil myself,” she said.
“我徑直把錢用到了投資房產上。我沒有買一雙鞋、一個包，我沒有寵壞自己。”她說。

"I knew I had to have that fall back plan because you can’t rely on the celebrity world because you’re hot one minute and no one cares the next."
“我必須出此下策，因爲名人世界不可靠。當紅也只曇花一現，一陣風雲後，再無人問津。”