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I won the $1,000,000 lottery. I visited the Lottery office this morning and they informed me the million dollars is to be paid $50,000 per

I won the $1,000,000 lottery. I visited the Lottery office this morning and they informed me the million dollars is to be paid $50,000 per year for 20 years. I really want my money now. The lottery office spokesperson informed me I could have the money now but she needed to use a money factor of 5%.

Question: What should I expect in a lump sum payment before taxes if I get paid now?

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