With just six correct numbers, someone could win $49 million tonight. I have a ticket – it could be me. So for the next few hours I am going to contemplate what I would do with that money. It might look something like this…

First of all, I live in Canada, so there is no tax on the winning pay out. That’s right you American readers – I’m taking it all home.

Now in the interest of fairness (and because we love them), my husband and I really have to share with the family. Between siblings and parents, we’re looking at 5 couples – let’s give them each a million.

$44 million left!

When I search the MLS real estate listings for my community, the most expensive property I can find is $18 million. But the house is kind of old, and I really don’t need 29 acres of lake front property. So instead, let’s take the next best one. At only $9,995,000 it’s a bargain with 7.5 acres, beachfront and a gorgeous house. I’ll give myself $2 million to decorate (I have great taste!) which is a total of $12 million for the house.

So that leaves $32 million.

Next, we move up the highway to the local ski resort. There is a lovely lodge available there – over 2500 square feet and almost new! That should work well for my family – and is a steal at just under $1.6 million. Add on $900,000 for decorating (and easy math) and the ski condo is worth $2.5 million.

Down to $29.5 million.

We don’t really need a summer property with the lake front home. After all, this is a city where people come to vacation in the summer. And what about those winter months that are not good for skiing? We can travel to someplace warm. That will be a yearly expense.

So, on to cars!

I’m sure there are luxury brands in existence that I have never even heard of, but since I’ve never heard of them, I’ll stick with what I know.

I’ve always wanted a Porsche (there is no substitute!). I’ll take the new Cayenne Turbo S – I need a nice SUV so that there is room for the dogs! That’s going to set me back a little over $150,000. We’ll stay in the family and take a 911 Turbo Cabriolet for those pooch-less trips. A lovely little convertible at $175,000!

Now, my husband has always wanted a Corvette. Looks like the ZR1 is going to cost us around $125,000. I don’t know what “sensible vehicle” he would choose, but we’ll make it all even and say that we’ll each spend a total of $325,000 on cars.

Always with the easy math – let’s round to $750,000 on cars leaving $28.75 million.

If you’re going to own that house on that big lake, you’re going to need the boats to go on that big dock. Again, not really a strong knowledge point for me, but if we go to the Rinker site and pimp out some really nice boats, we get an MSRP of about $200,000 for a ski boat and $550,000 for a cruiser – total $750,000.

And we’re down to $28 million.

We’re obviously going to invest a lot of the remaining money. I know the economy is bad right now, so let’s say that our overall return rate is a mere 4% annually. On $28 million, that gets us a little over a million a year in interest. Now, we do have to pay tax on that interest but it’s still a healthy sum – remember, we have no loans or payments!  Even if we have to bite into that principal amount occasionally, it’s not like we’re going to live forever. And a financial advisor that’s only getting us 4% probably won’t last forever either!

Of course, according to the lottery website my chances of winning are 1 in 13,983,816 so I’m not exactly holding my breath and I won’t quit my day job quite yet.

But it is fun to dream, isn’t it?