Most people don't know how to handle big money
Mikhail Semyonov, PhD in Psychology, docent, research interests - psychology of money and economic psychology:
Mikhail Semyonov. Photo: team-consult.ru
- According to statistics, order 70% lottery winners in the world are on the brink of bankruptcy within the next seven years after winning: thoughtless spending and inability to handle a huge amount of money affect.
Not everyone can use lottery winnings wisely. The more money, the more intelligent, and emotional effort must be invested in their conservation and rational use. A large amount is a resource, which must be protected from competing applicants for it: relatives, friends, crime. Example - the tale of the goldfish: having received a huge resource, no old man, no old woman could use it rationally.
Another problem is that after unexpected wealth, many lose touch with their previous environment., meet condemnation and even aggression. People envy them. This is one of the most important motives of human behavior., along with power. Many people want to get some of this money, and in case of refusal they take offense.
The vast majority of people do not know how to handle large (regarding past) money: nor earn, neither save, nor accumulate, nor is it reasonable to spend. Riding a bicycle and a truck are different things. Most people don't understand the difference between 1 million rubles, 100 millions or 1 billion. They all feel like a LOT. Well, of course, unearned money is valued less than earned. So winning the lottery for an ordinary person is primarily a risk.
"We didn't feel like millionaires"
- Lotteries let you live your dreams. My father buys these tickets all his life. And never checks right away, is there a win. I ask: “Dad, why do you need that? There is no sense ... "And he told me: “I walk and think: can, I won. And so good ", - says Maxim Nikityuk from Omsk.
His father has never had any luck. And to Maxim himself in 2015 a ticket bought by accident brought a million rubles.
- It was an accident. Walking with a newborn son, wife in store, and we are waiting for her at the lottery kiosk. I buy a ticket for the first time in my life - just in my pocket 50 rubles lying around. And then I forget about him, - recalls Artem in a conversation with the correspondent of "Pravmir".
A week later, Nikityuki found a ticket in a baby carriage. Checked, before throwing away. And there the win is an apartment. Keys are not given to anyone after the lottery. According to the rules, the winner receives the par value of the property. In Maxim's case, it was a million rubles.. He and his wife confess, that the news shocked them.
Maxim believed in the reality of what was happening already in Moscow - he wrote a statement, gave the ticket for verification and began to wait. A month later, the promised money was transferred to his bank card - the entire amount at once.
- The loved ones were very happy for us. But I think, there were those, who hated me after winning. I felt it, - recalls the winner.
Maxim Nikityuk. Photo from the site chel.kp.ru
Previously, the Nikityuk family did not have such big money. Maxim and Natasha got married a year ago, raised a son. He worked in the ventilation and heating systems workshop, where he serves to this day. They saved up for housing - saved from salary, sold the car to Maxim and Natasha a room in a hostel. Hoping to buy a one-room apartment in Omsk.
- We didn't feel like millionaires. Did not have time. Immediately invested almost the entire amount in the purchase of an apartment. Thanks to the win, there was enough for a three-room. The remaining money was spent on repairs. is he, by the way, still going on. We live, as everyone: home-work-home. Moreover, taking care of his son - he already goes to kindergarten, makes us happy.
The lottery became a salvation from a future mortgage. Maxim and Natalia thought about her, planning to buy a small apartment. Hoped, that with the help of a mortgage loan they will improve living conditions, when their boy grows up and needs a separate room.
Maxim Nikityuk was presented with lottery tickets after winning. But he was not so lucky anymore. For about three months, he and his wife exchanged small amounts for new tickets., and then they stopped.
- You can't think: once bought a ticket, you will definitely win. Too many participants, and even more - digital combinations. Much more chance, what's lucky in love. I am very lucky with my wife! - Maxim laughs.
The wife and parents were crying: "We don't need that kind of money"
Entrepreneur Albert Begarkyan from Kolpino won the lottery in 2011 100 million rubles, by matching six numbers from 45. From a rented apartment, together with his wife and daughters, he moved to a luxurious house in the center of St. Petersburg, bought several apartments and started a new business - building a hotel in Taman. But still there was not enough money - without paying the tax on winnings on time, a millionaire became a defendant in a criminal case.
The Begarkyan family moved to Russia in 2001 year. Lived hard. Albert told on the First Channel, that he worked without weekends and holidays. Accommodation rented, even there was no furniture. Children slept with jacks on the bed, and parents - on the floor. Then everything worked out: the entrepreneur has several pavilions, car service. He took up construction.
- IN 2011 year everything was reset. The pavilions had to be closed, construction site stopped. I didn't want to start all over again. I thought, that I will tax for now ... In Russia then for the first time they played 100 million rubles. From the first draw, I started buying one or two tickets - I hoped, what will I win, - recalled Albert Begarkyan in the program "Alone with everyone".
Albert missed the TV show with the winnings. Checked the ticket on the Internet. Surprise and joy were followed by tension - the ticket of the nameless, children at home. The whole country knows, that the win is in Kolpino. The millionaire was offered protection, but he himself took the ticket to the safe deposit box, and then to Moscow. His wife sewed him to the shirt from the inside, rode a hare, so that no one can track his movements.
- A woman, parents, sister cried - do not take the prize. We don't need that kind of money. They were afraid, - Albert said.
The first winner of the TV program was filmed in Moscow. Albert's phone was broken on the way home. People asked for money. He did not refuse to help many, because at one time he needed it himself.
Albert Begarkyan. Photo: 1tv.ru
- Many business plans offered. But I had a question not to earn, not to lose this money. Bought for everyone, what was needed: father - a car, my sister later renovated the apartment ... I bought housing, acquired a plot of land in Taman, started building a hotel ... I had to quickly get rid of the money. They oppressed.
Lottery winnings under Russian law are taxed in 13%. To 1 january 2018 year it had to be paid by the winner himself (now the state lotteries take it upon themselves). Albert Begarkyan immediately postponed 13 million, intended for the state - they were kept in the bank.
- I was told, that you can earn interest, and then pay tax. I spent the rest of the money - the site, hotel. At some point I lent a lot of money, more 12 million. And it was necessary either to stop the construction, or take from tax. The guys promised me, that in a month they will give everything, so I have withdrawn money from the account, - said Albert. - And then I heard on TV, that a criminal case was opened ... I paid a lot of interest, sold another apartment and paid.
To the question, is Albert Begarkyan waiting for a new win, he answers: “I don’t want big money. Further myself ". He calls his winnings a test.
- Winning the lottery is a great success. Big plus in life. But I think, that a person can break loose in such moments, become an alcoholic or drug addict - when he has everything or nothing. I got everything. It was hard to resist, - Albert argues.
