The lottery is based on luck, but if you have the winning ticket, you’re luckiest of them all. Recently, Al was feeling adventurous so he played the Powerball and paid an extra $1 for the Power Play, a multiplier that increases the payout. To his surprise, he discovered that his ticket matched the Powerball number. His $3 investment produced $12 (300% return). When he went to pick up his winnings, the cashier was shocked to learn he didn’t want more lottery tickets. As you may have guessed, he couldn’t comprehend playing again when he was already a winner.

This month is almost over, but remember that your monthly budget is more predictable than the lottery. Instead of spending money and hoping for success, you can create success by telling your money how to behave. All it takes is a simple and easy to duplicate plan that relies more on math than emotion. Your winning numbers can be found in the financial system you follow after receiving each paycheck.