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Credit.com: Satisfy your gambling jones by channeling lottery dollars into a prize-linked savings account

If you enjoy playing the lottery, you’re not alone. About half of all adults in the U.S. have played the lottery, and the average player throws about $600 a year on the long odds that they might hit it big.

For the vast majority of people who play the lottery, that’s money down the drain. Right now, your chances to win Powerball’s Jackpot are 1 in 292 million. Even your odds of winning Powerball’s lowest prize, a $4 payout, are 1 in 38.2, on a $2 ticket. So, on average, you need to spend $76.40 to win that $4 prize.

Overall, state lotteries offer a negative return of 52 cents for every dollar spent.

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