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FILE - This April 13, 2006, file photo, shows Sandra Hayes of Florissant, Mo., who split a $224 million Powerball jackpot with a dozen co-workers in 2006. As the drawing for a $500 million Powerball jackpot approaches, Wednesday, Nov. 28, 2012, past winners of mega-lottery drawings and financial planners have some advice: stick to a budget, invest wisely, learn to say no and be prepared to lose friends while riding an emotional roller-coaster.

Amanda Whitlock / St. Louis Post-dispatch