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For some people, winning the lotto brings more problems than solutions. Because it seems that no matter how much these winners take home, most of it is spent recklessly in just a few short years.

Sometimes it's the lack of a sensible spending plan. Other times it's squandered... or as English footballer George Best famously said: "I spent most of it on booze, broads and fast cars. The rest I wasted."

Here's what you should do after the check hits your bank:

1. Don't listen to your friend's advice. Rarely will they have the financial expertise to advise you. While they have your best interests at heart and are well-meaning, these are not people you should go to for advice.

This is the time to see a financial advisor at a large bank. Ask for a vice president who manages HNWI (that stands for High Net Worth Individual) accounts. Most banks have a separate division for this.

2. Take a spending break. Lock up your wallet and don't spend a cent. Your natural instinct after a win is to start paying everything off and giving away money to family and friends. But don't do this yet. You need to get sound advice because some gifts will attract tax in some states or countries. You could easily end up with a tax bill which could wipe out many of your 'hard-won' dollars.

3. You don't hear much about this following advice, but it's based on wisdom built over centuries of experience...

Don't ever spend your winnings. Instead of spending it, make your fortune produce an everlasting income stream for you. Back in days gone past, the wealthy had a rule. It was simply "Don't touch the capital." Capital, in the form of money or income producing buildings, was the source of all income.

Property holdings and invested funds produced an unceasing stream of cash flow. The wealthy lived off the interest or rent, and never touched the capital.

So put your winnings into commercial property, bonds or other financial instruments recommended by your HNWI advisor, and live off the income forever. Because once your capital is spent, it's gone forever.

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