Your First Million From PCH: Would You Spend or Save?

If you won The PCH Mega Prize on November 30th, would you spend or save the first million?

All right, PCH fans, let’s put it all on the table. I’d like you to really think about the question above: Imagine if you become the lucky winner of the Mega Prize on November 30th. You’ve just received $1,000,000.00 ON THE SPOT! After you leap into Todd Sloane’s arms or give Danielle Lam and Dave Sayer a big bear hug…after the Prize Patrol drives away and your head stops spinning…what would you do with that first million dollars, knowing you’d get weekly payments of $5,000.00 for the rest of your life? Would you save it, or go on a spending spree like the world has never known?

Wow, talk about a “million dollar question,” this really is food for thought! I’m getting chills just thinking about it! After all, becoming a millionaire overnight would change your life forever.  So how would you handle a windfall this HUGE?

I bet there are a “million” things going through your mind right now. Spend or save…spend or save?

Would you have a plan of action? Would you know what to do? Oh, dear friends, I hope so! There’s no right answer here, only what’s right for YOU. Whatever will keep you secure and worry-free, and yes, of course, happy!

Let’s weigh the options:

TO SPEND:
Say you decide to spend. Suddenly, you have your choice of big-ticket items like cars, homes, vacations, designer clothes and jewelry. Maybe you’d opt to throw a huge party and invite everyone you know! Or perhaps you have other priorities, like paying off your mortgage and credit card debt, hospital bills and college tuition.

TO SAVE:
On the other hand, say you decide to save your first million dollars. Tuck it away in a secure account with high interest…even invest it. Perhaps you’d like to make sure your parents are cared for in their elder years, or fund your retirement and open trusts for your little ones. Not as fun and “sexy” as a shiny new luxury automobile or a vacation home in Maui, but when you weigh instant gratification against long-term security, you could enjoy true peace of mind.

Just food for thought, PCH fans. I know that every one of you hopes the Prize Patrol — “America’s most welcome drop-in guests” — will drop in on YOU on November 30th with the Mega Prize. But in order for that to happen, you of course have to enter! So go on and enter today! And don’t forget to comment below and tell us what YOU would do: SPEND OR SAVE!

Joyce W.
PCH Online Creative


Note: Your email address will not be displayed

Showing 176 Comments 1 2
Kim Blevins said...

Build a house! Buy a car! Visit my sister whom I haven’t seen in 4 years! Pay off our student loans! Pay off medical bills!

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Steven Coker said...

I would put half away and use the other half to pay off all bills and still have some left over to help family and friends get back on there feet . And if there was still money out of that half I would love to walk in a place and change someone else’s life just as my life was changed. That’s what I would do. So spend and save for me.

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maria estrella baccay platecki said...

some of them i am gonna save it for my kids funds for there college then donate to the charity were my kids live there before and pay off our bills everything so that i dont have any problem but the most important thing is thank you to our almighty god and also thank you to the publishers clearing house that make my dreams come true.god bless to the company and more power

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Kanika Loeung said...

My first priorities is paying off mortgage then help my children college. After that I have too several plans that I’ll spend with that money.

Thinking about dream is easy but wishing to become a Millionaire is I feeling like walking to the mountain. I wish my dream come true in some day.

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JENNIFER WELLS said...

I WOULD PUT IN A TRUST FOR MY GRKIDS COLLEGE FUND FOR EACH OFTHEM ,PAY MY HOUSE OFF,PAY OFF ALL MY BILLS,THEN PUT REST IN TRUST FUND MAYBE GO ON A NICE VACATION TO DISNEYLAND TAKE ALL MY GRKIDS(MAY NEVER HAVE THAT CHANCE AGAIN0SOMEHING THEY WOULD REMEMBER ALL THEIR LIVES ,AND BUY ME NEW PAIR OF COWBOY BOOTS.

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Michael Rolle said...

well the moto to the Story Is more SPEND! But with the exception of lower Interest Rates Business would want PEOPLE to BUY More To Save More with reasonable Prices and Values for you Dollar! PLUS better Brands TO set the Standards Businesses, shopping, buying, as well as Market Savings from an economic stand-point.

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Maureen Sousa said...

I would pay off my mortgage, then figure out how to save the rest so my hubby & I could a good retirement & then give GREAT Christmas presents to all the grandkids!!!

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Jayne Ellis said...

Both. I would pay off all my bills, give some to my 5 children to help them out and then put the rest as our retirement fund since we are both self employed! I would probably first contact an attorney and financial advisor to guide me. :-)

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Priscilla Rowland said...

I would most definitely invest that $1,000,000! I feel that if I can’t live on $5,000 a week there is something seriously wrong with my lifestyle!

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marilyn ruiz said...

The first thing i would do would be to join the MAKE A WISH FOUNDATION which i’ve always have wanted to do but have not been able too… nothing would make me happier than to be able to see the face of a child when he gets his wish. i would also payoff my debts, travel and definetly save some

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Diane Lehmkuhler said...

pay off bills…vacation…..have fun…then put rest in trust fund for loved ones

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mary said...

First off I would Help those i mentioned and invest some for our furture

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Sheila Elsass said...

I would pay all of my bills off and buy a home (tired of living with people)…make sure I get all I need for my family and then what was left I’d put away for college and for my babies weddings….If I had any money to spare after that (which i most likely would cause i could add more to the acconts with the 5000 a week and I know it wouldnt take all off it) I would take my babies and hubby of course on a vacation of their choice most likely Disney Land/World or Lego Land lol, after that have a savings account opened up for the just incase fund case I dont want my children to worrie

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hope said...

Love the coloring added to the photo!! Btw, I would spend much of the money.

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Eileena Duran said...

I would most likely secure a place to live, get needed medical treatment, donate to The Urban Ministry Shelter, school, my grandchildren and research a reputable lawyer and financial planner. This would eliminate at least half of the money. The rest would be used in investments which would allow it to grow. I would then be able to sustain myself and assist other individuals in the community through the returns on my investments on an ongoing basis.

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Betty Loop said...

After giving 10% to the church, pay off all debt and help family!

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Michael Abdullah said...

I would spend some and save some…
I would first spend some on friends and family. Then I would take a few trips. After I would open a business to employ some of the people in my community. Later I would save…..

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Linda Chrisley said...

Pay off all my bills then buy my home nutmeg a car and.and save some for my son college and if there’s more.lift it would be for the legation for my family.
Linda Chrisley

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Michael Abdullah said...

I wonder can you really win without buy anything.. I wonder…..

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Pamela Scott said...

I would spend it wisely for necessary reasons and save what is leftover for future necessities!

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Neil Zlotorzynski said...

I would have to take my wife, children and grandchildren (5) on a shopping spree of there life’s. I’ve never been able to do anything like that before since we live paycheck to paycheck. So come visit me so I can see and feel that experience.

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Diana Hanlon said...

I would pay my bills and save the rest and it would be nice to quet my job and stay home with my husband that is a big dream come true for him!

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Deborah Hopper said...

I would pay off my bills buy my frist house, then buy a new car, make sure my three son have a secure life, secure my grandson a college fund so when he grows up it won’t be a struggle. Then i would secure myself for when retirement come so i can live without struggling, and have peace of mind. Then send out a few donations to one of my favorite charaties. And help my only sister financially. Then i would invest and save. Then i would have a dinner party.

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Barbara Wells said...

I would Thank God with such a Wonderful Blessing,I would Go to the Doctor first(To find out what is causing stomach pain) Give to Cancer Research & Make-A-Wish Foundation) My 5 year old Granson Is a Cancer Survivor.Buy a Freezer so that is always food in our home,fix my 2000 Kia Sportage & Pay my Home off.

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Alissa Johnson said...

I would put it up, yes I’d be excited and ready to spend but I’d think about the 5,000 a week i had comming and be smart an wait to spend that on my child & I needs as well as all the shelters and Charities that has helped us out :)

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jerah tharp said...

i would pay bills off buy a better car and get a house instead of living in my apt.

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jerah tharp said...

i would pay off a lot of debt and buy a car and actually own a house but most inportant of all i would be dept free

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Dustin Logan said...

I want to say that I would save the money. Can’t say for sure since I don’t have a house and my car is falling apart. How about we find out.

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Shalila Jackson said...

Well I have to say a little of both. First I would pay my bills! Then I would move my kids out of the horrible place we live in. As for fancy cars and things of that matter, I don’t want or need. I sure would like to fix the car and truck that i do have and then split the rest of it up for my 5 kids. College is right around the corner for 3 of them. It would be nice for them to have a chance to have the best education. Then last but not least I would take care of my mom so she would never have to work again.

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Doyce Baugh-Jr. said...

I would give my 10% to the church. Then, I would get all new furniture,a new vehicle,set up an turst fund at a bank, give everybody in my immediate family a monetary gift. Oh yeah, get me a piece of property.

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robert mcelroy said...

both i would save some and spend some!!!

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Cassandra Coleman Tranumn said...

To be honest I can’t really say at this time, but first and foremost I would help some people in need and give my 10% to the church. I pray for this my family and I need it! God only knows! God Bless you PCH team!!!!

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Myrna White said...

I would spend and save!!!!!

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gail block said...

All the winners r out west or down south so why do i care i don’t 28 years and never won a thing use to buy stuff now i don’t have not won and never will

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catalina vargas said...

my husband and i will donate half to st jude children hospital, the other half goes to: unicef, pay bill, restore credit…..

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Maureen Sousa said...

changed my mind since this afternoon… I would put it ALL away to help my husband’s burden of being laid off a 2nd time … Times are tough out here to make a living today … so if he cannot find another job to support us…. this would help with the cause!!!

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Ginger Porter said...

SPEND AND SAVE: Pay off student loans and other bills, buy a home so I can QUIT RENTING, get dependable, fuel efficient vehicle, visit my kids and grandkids in 3 other states and Start MY OWN BUSINESS…. and of course, SAVE!!!

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Ginger Porter said...

SPEND AND SAVE: Money to church, Pay off student loans and other bills, buy a home so I can QUIT RENTING, get dependable, fuel efficient vehicle, visit my kids and grandkids in 3 other states and Start MY OWN BUSINESS…. and of course, SAVE!!!

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Victoria Kooistra said...

I would hope to do both! spend and save. by paying off the bills would help save. every little bit helps. I know that if I were to win. which wont happen. lol But a nice Dream….I wouldn’t have to worry. that’s for sure!

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Victoria Kooistra said...

I would have to say both. spend and save. it would be nice to pay off the bills that would help save. every little bit helps. which would be my long lost dream…. lol a dream that wont come true for a very long time. Because I dreamed I would win pch and we know how that dream went… it never happend. so anyways. so what would i do a big nothing. no saving and no spending. lol

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Michaela G. said...

Thanks Joyce W., PCH Online Creative for that wonderful question.

I was just thinking of this before I read your blog. Well, right now is a bad time in my life and I really do not know how began this note to you, except to say the person that started me on this wonderful journey with PCH is in a coma and that would be my father. He would tell me his dreams about if he won MEGA BIG at PCH and this is one of his many DREAMS. We have a very big family and he always wanted us to be together as a family and so I would purchase the houses round my parents house and pay off my parents mortgage and take care of my parents, so that way no one will get hurt or feel left out of the big picture of my fathers. And YES, YES, YES, this has always been my dream too, because family is everything. And I would just make sure every one agree’s on this before I do so.

But what I would want most of all is for my father to come out of his coma and for him to be well again. No amount of money can do that just a lot of hope and prayers. If I could take all my prayers that I have said for all my dreams to come true about winning MEGA BIG at PCH and make those prayers to go to my Dad I would, if I could!!!! So, now I am going to ask you and all the PCH wonderful workers to say a prayer for my father or just keep him in your thoughts right now. I love my father so very much and I just can not see my life with out him!!! Thank you so very much for that wonderful question!!!!

P.S. Another question: I really am wondering is the odd’s between winning MEGA BIG at PCH or coming out of a COMA are they the same? I hope coming out of a COMA is the winner, I just hope that he will come out of this COMA because I really believe in prayer!!! Please say a prayer for my father!!!!

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Betty Jennings said...

I would pay off my bills and my childrens bills. Then I would take a vacation and put the rest in savings.

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charlotte spear said...

Spend and Save there are things i would love to do for my big faimly yes just so much how i am praying

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Joan Woodson said...

nnually. My house repairs and paint. Plus my church and all of my charities are in much need.. What would I do with my first million?

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Patricia McNally said...

i would pay my bill up to date get my van fixed or get a new one then get the thing the dr. need me to get to help my grandchild health

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ALFRED HERESI said...

ALFRED HERESI

PUT ME ON LIST
AUTOMATICALLY
ENTRY SWEEPSTAKES WIN
REGISTER RESPOND
LIFETIME MEMBERSHIP CLUBS
WINNER SELECTION LIST
ONE MILLION PLUS $ 5000 A WEEK
FOR LIFE
THINK BIG MONEY
THINK YOU
THRSDAY SEPTEMER 20 2012 SUMMER

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Christine Cobb said...

Save the 3/4 of it and put a roof on my house that the hurricane messed up.

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Elaine Ben-Judah said...

I would save the greater part of it because knowing I had a weekly income of $5,000 each week would pay most of my bills off. The relief of this in my senior years now would be so wonderful. So many charities to help! Ahh how nice to be able to give!

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Bill Cockerham said...

I would spend some of it. Some I would save and some I would give away. The government would get the rest, probably.

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lfhpueblo said...

Spend first- e.g. Tithe, Taxes, Pay off bills, get a truck that my husband has been wanting for many years now, spend money to fix up things like inside and outside the home.

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Regina Louise Tucker said...

I would probably need to use half of the money. I would buy a place to live with my three boys and a reliable inexpensive car. Pay off all my debt. Then I would need to open my dream restaurant business (I already have a name picked out). I would buy health insurance, etc. Send my kids through there first semester of college. I would finish college. I would save the rest and live off the income I would make from the business and the interest from the remainder of money.

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Edna Rogers said...

I would tithe 10%. Pay off my Parent co-sign loans for my college kids. I would pay off my mortgage, credit card debt, and outstanding medical bills. I would payoff the debt of my parents and my mother-in-law, and purchase the one item that they have always wanted but never bought. Then I would donate to my local boys and girls club.

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Regina Louise Tucker said...

Spend and save…
What a wonderful blessing to be able to do either.

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Barbara Gerardo said...

Spend and save: I have 4 children and two are in college and had to take out loans, it is my hearts desire to pay those off. I will purchase for my family a home and vehicle. I also want to help another single parent family who I know needs help. I realize that the blessing of winning is not just for me but also to help others and the future of my children, so I would save as well.

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Regina Louise Tucker said...

I would also give to charity once I established a place of home. I am in a place now where charity means life survival.

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Regina Louise Tucker said...

Please come to Douglasville, GA. next.

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Regina Louise Tucker said...

You guy just don’t know how badly my family need this!

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Karen Varney said...

I would spend some of it to get out of debt, to get my husband a new truck and then to go on a vacation to Charlotte, NC for a NASCAR race.

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Melanie Antry said...

I would do both! Spend: Buy a home for us (tired of living with other people but grateful that I do have a roof over our heads), pay off student loans, go to Disneyland with my family. Save for the future of our children.

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Maria celia said...

PCH,Because I want to start something that will help bring money in,to help in the donations I have in mind .I would take care of the things that need to be taken care of first.Half of the million will be safe possibly more.I am not spending money in big houses or cars or other thing that will no help.I want to use that money right.MCH

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DeLayne Perry said...

First and foremost, I would put new carpet in the church I attend! It needs it ‘badly’ and (maybe new) or upholster the pews to match. Then, pay off my mortgage and a personal loan from a family member. Help my brother Robert buy BACK his little house from my brother, Ben!!! Help my own kids out and those that have helped me stay afloat in the past. Next, help certain people I have ‘sort of’ met on FB that I know could would appreciate the help anonymously. Then send a nice nugget to charitable organization or two. Then I would see about investments. ALL > In that order…

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Jennifer Cole said...

I would pay off all of my childrens student loans and then my loans and probably sit on the rest for a while.

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cheryl johnson said...

I would buy my family a house,in help. My church.

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Beverly Romeo said...

I would do both. Beverly Romeo.

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frank shultz said...

I would do both,spend and save. The spending would be 10 % to a charity and then pay off the mortgage. Then save the rest for a college fund for the grandchildren and great grandchildren.

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Aurelio Martinez-Cabrera said...

I would buy my truck/Car and a nice house and invest the rest, of course I’ll donte in a way that many many people will enjoy

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Georgina Turner said...

Hi Joyce,

I would say, I would need to spend some money so my family could get a place to live. As of now we live in a fifth wheeler trailer. I would buy a home and clothes and help out my family and pay off bills. I would feel like I would be going from rags to riches if I won a PCH Prize. Good Luck to all! :)

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Vicki Isleman said...

I have to say I would spend it because it seems like a million isnt much these days. I would have to pay most to IRS.

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Walter Jordan Jr said...

The first thing I would do is bless my church with my tithes and offering. pay off my bills. and help some people that I know who really needs the help. most importantly i would help my mother who just had another stroke that had left her struggling on the left side of her body. she’s always helpped other even when she didn’t have it to give and now at 72 yrs old I want to see her happy not having to worry about where she would live.

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CHERYLE said...

DAVE SAYER, i found the luck check please inter me in for november 19 please thank you if i win i am helping my church, god and family out. pch is doing grant job god bless you dave for a grant wonderful thing you are doing from cheryle

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Brenda Liz martinez said...

Hey Hey hey pch I wanna win i still here for 9 year’s wen wen I wanna see my name in the check but wen I would love to win I wanna see the Big big big check i hope i hope God is Good

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sherry bennett said...

I’d save ten percent:-)

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Todd Lowery said...

I’m quite sure my new financial advisers will recommend both saving and spending to accomplish the goals that I will set. You can be sure I will be doing some investing as well, which is kind of doing both, spending and saving, at the same time while strategically also creating wealth.

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wright ways will come..... said...

i would do as any other spend and save,mostly catch up my bills and other things in the middle…….and not to forget dream house shopping,i got my heart set for about three or build in my area.and invest in me for my dreams to finally awake and be reality….it never too late to get it started as said in some blogs recently,but i will give it a try for the better to see how it feels to see the other side of me and live the way i should be in my heart “happy and humble”and sweet to be me…..

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Jeff Petree said...

Spend, in a very smart way, new home, new car, new rich life style,,

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maria silvers said...

I think i would do both but bill’s and family would have to come first then put some in the bank and maybe me and my husband can have our honeymoon we never got to have on our first time being married we got married in nov 17,2007 so maybe one day the prize patrol will show up at my door it would be awesome never one anything before i love being a pch fan god bless pch:)

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kathleen Hansen wright on...... said...

I can’t imagine what I would do, so will have to wait until I receive it.

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kathleen hansen said...

I would pay debts first and help some in need of help.The rest I would save.

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taylor reed said...

First 35% the the IRS, 3% state taxes. then decide what to do from there.

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Jackie Dickerson said...

That’s a hard question being in a tax state and being responsible for paying the taxes myself id probably get that out the way first then the next question would be do I take the one time payment or the $5000 a week payout. So is have to sit on it for a minute to figure out just what to do with my winnings!!!!

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cassandra czubachowski said...

i thought this was going to be awarded october 31st. im so confused!!

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Ashley said...

I would put half away and use the other money to pay all bills and help family and friends get back on there feet .

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Corey White said...

I would save it, I would put it in the bank, high interest rate, then I would let it sit so when the time was right, I would be able to start my business and put people to work, plus leave something for my kids after I had passed on!!!!!!!

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Elizabeth Colon said...

I really am a huge huge fan of PCH.. MY dad had been playing for years & it past to me.. so I’m hoping with me I’ll win, Although I live on a military base, (Ft.LEWIS, WA) My husband has been serving our great country for 14 yrs.. I really wish my husband got paid better than what he does, NONE of our Military get paid what their worth! My husband & I have a lot of debt.. I’m also in the middle of a custody battle with my EX.. that is a long story.. If I ever won the 1Million & 5 thousand for life, it would be a blessing, a Damn miracle honestly, I have NEVER EVER won anything in my life & all I have is bad luck, so it really would be a miracle.. I would put just about all of it in CD’s @ the bank, set up Acct’s for my kids, & hire the best damn lawyer money could buy to get my kids back.. real short, that ex of mine took em..5yrs ago.. been fighting him ever since, so oh hell ya on the best lawyer I can buy.. Then get a piece of property to build on… With just about all of the money on CD’s @ the bank, they build interest, & I could live off of that plus the 5 thousand every week, but of course, I would put the 5 thousand in the bank with the rest & just live off of ALL the interest…. It sounds like a really nice & comfortable plan to me??? don’t you think so too?? Sorry I gave some what of a life story, I was rambling & I do that a lot… sorry.. It sure is a nice wish, & I sure will pray, But I’m only 1 person out of billions, & only 1 out of millions that enter every day.. oh well, it sure is nice to dream though… Maybe when I’m in my 60′s it will happen… keep faith tho?? right??

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Gloria McClendon said...

I would save and spend. I give give some to my grandchildren for there college. I give some to my Church.I would take a long vacation. Pay off my mortgage.

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margo p said...

i would spend it on paying my debts off,my daughters tuition for school,donate to alpha club, catholic charity,and help my mother . oh yeah so I can relax.

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amber stevenfield said...

I would spend and save. I would spend some on a reliable vehicle, my own house and my schooling. Then I would save the rest unless there was an emergency.

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ALFRED HERESI said...

ALFRED HERESI

PUT ME ON LIST
AUTOMATICALLY
ENTRY SWEEPSTAKES WIN
REGISTER RESPOND
LIFETIME MEMBERSHIP CLUBS
WINNER SELECTION LIST
—————————–
TUESDAY SEPTMERBER 25 2012 FALL
THINK BIG MONEY
THINK YOU

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Maxine Masajo said...

I would buy our first home for my kids and help out people in need and donate to charity.

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Anna baker said...

I would go shopping. , with some of the money. And save the rest

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Anna baker said...

I would go shopping with some , of the money and save the rest

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Ansly Berberena said...

Ill buy a house and fix my mothers.

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kristina bryson said...

i would do both because it would help me get out of debt and still have leftovers to help my family and friends who need to on their feet. either way i go ill be blessed to help others and be happy..

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Gary Miles said...

I WOULD FIRST GIVE BACK TO THE LORD FOR ALL HE HAS GIVEN ME, THEN I WOULD FIND A BUILDING HERE IN FLORIDA WHERE I COULD HOUSE SOME OF THESE FAMILY’S WITH THERE CHILDREN WHO ARE LIVING IN THE STREETS THIS IS WHAT THE LORD WOULD WANT ME TO DO THEN I WILL TAKE CARE OF MY FAMILY AND THEN MY WIFE AND MYSELF.

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Caroline Hawbaker said...

First I would take out money for charities, then pay taxes on the rest.
I would open a non profit Animal Adoption Center. Take money out to purchase a home. Then I would put the rest into investments.

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Shaelyne Minor said...

Being a single mom I would spend half of it to pay the bills then the other half I would put in a savings account for my sons college.

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Thomas LaFlech said...

I would get a honerable discharge from the United States Army (Military Police) and be able to make it home for Christmas to spend with my family after missing so many holidays with them. I would find a way to make more money (from prize) for a fund to change other lives the same as you all have but in a way that no one knew it was me only an act of good faith and a blessing to those that struggle giving life there all. So the true answer would be that yes I would save only to spend in a nonselfish way.

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sharon hester said...

This is sharon hester again after i read mine back i sounded stupid because im trying to type on my cell phone (the only computer i have) any how im sure you can read mine just frying to explain weird words! Thanks again

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