Q&A: A look at the $1.9 billion Powerball jackpot and how it grew so large

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Q&A: A look at the $1.9 billion Powerball jackpot and how it grew so large
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Monday night’s estimated $1.9 billion Powerball jackpot is nearly $400 million larger than the previous record jackpot and will keep growing until someone finally wins the prize.

DES MOINES, Iowa — Monday night’s estimated $1.9 billion Powerball jackpot is nearly $400 million larger than the previous record jackpot and will keep growing until someone finally wins the prize.

The jackpot started at $20 million back on Aug. 6 and over three winless months has grown to be 95 times as large. Put another way, it’s a crazy amount of money.Those who spend $2 on a Powerball ticket might wonder if something is wrong when 40 drawings pass without a jackpot winner, but this is how the game is designed. With odds of 1 in 292 million, that means it’s unlikely anyone will win the prize until a growing jackpot attracts more players.

First, that $1.9 billion prize is for winners who choose payment through an annuity, which sends out a check annually for 29 years, with a 5% increase each year. But almost no winners take the annuity, instead opting for cash. For Monday night’s drawing, the cash prize would be $929.1 million, or less than half the annuity prize.

Federal taxes would take an additional bite, lessening the payout by more than one-third, and many states tax lottery winnings would as well. The difference between the annuity and cash prizes has grown larger recently because inflation has resulted in higher interest rates, which means money invested in the annuity can grow.Yes, but your odds of winning aren’t significantly improved. Think of it this way: If you buy one ticket, you have a 1 in 292.2 million chance of winning the jackpot. If you spend $10 for five number combinations, your chances are better, but at 5 in 292.

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