如果一夜暴富，该如何处理这些钱？

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?
如果一夜之间存款激增百万英镑，你会怎么做？冲抵房子首付、入手一堆名牌设计包包、还是花个10英镑投资“傻瓜”系列丛书，剩下的存起来维持公司运营？

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.
对于大多数人而言，银行存款激增百万这种事，大概也只能想想了。然而对于乐透赢家、程序员企业家中的成功人士、以及那些在美国职业橄榄球联赛中被高校选中的橄榄球运动员 — 一夜暴富即为亲身经历。于（上述）那些（橄榄球）运动员，从穷学生到暴发户尽在一瞬间。

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.
那么，面对飞来横财，我们该如何作为呢？“首先，将你的所想所需落实笔头。”专攻一夜暴富案例的金融顾问马克·多曼如是告知《智族》杂志。“列下的‘想要’清单越长，‘需要’清单将花费的钱财就会越少。”

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.
“下一项关键步骤，则是习得理财之道，不再一味依赖他人。”多曼说。他告诉他的客户，虽然他们的信任能让他觉得洋洋得意，但他还是敦促他们：不了解投资原理前千万不要投钱下注。

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.
“长期规划和理财策略也同样重要。”多曼补充道。“这关乎人的收入潜力、职业寿命、消费方式以及在挣钱策略上的冒险程度。”

But for people who have gotten rich quickly and lost it all, Damon's advice comes a little too late.
但对于那些已经把横财得而复失的人，多曼的建议似乎来得晚了些。

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.
英国最年轻的乐透赢家凯莉·罗杰年仅16，却将190万英镑奖金捧回了家。凯莉接受采访表示，自己年纪尚小，中乐透头奖似乎为时过早。

“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.
“一夜之间，我就成了当地名人。酒吧里的人们会来和我称兄道弟，我碍不住面子，只好请所有人喝酒。我不知道可以相信谁。”她如是对《近距离》杂志说道。

By the time she was 26, Rogers only had £2,000 of her winnings left.
26岁时，凯莉当年的奖金只剩下屈指可数的2千英镑。

Former Big Brother contestant Aisleye Horgan-Wallace, however, recently revealed how she has built a million pound fortune by investing in property.
不过最近，《老大哥》节目（一个真人秀）的老选手艾莎耶·霍根-华莱士分享了自己投资房产赚取百万的经验。

"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’."
“从《老大哥》的房子出来，我暗暗对自己说‘无论如何，我也要赶上这波浪，五分钟也好，十分钟也罢。’”

"I put the money straight into property. I didn’t buy one pair of shoes, one handbag, I didn’t spoil myself,” she said.
“我径直把钱用到了投资房产上。我没有买一双鞋、一个包，我没有宠坏自己。”她说。

"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."
“我必须出此下策，因为名人世界不可靠。当红也只昙花一现，一阵风云后，再无人问津。”