There's a well-known saying—getting rich overnight is often just the prelude to going broke overnight. This is not alarmist talk. Countless stories of lottery jackpot winners in history serve as warnings: suddenly acquiring huge wealth, without the right mindset and planning, often results in rapid spending and even falling into deeper trouble.

But there are exceptions. In 1999, a 21-year-old young man working at a gas station won a $28 million jackpot, yet he handled this windfall in a completely different way. His name is Timothy Schultz.

The key difference lies in: he was not blinded by sudden wealth. On the contrary, before claiming his prize, he proactively consulted a financial advisor, carefully planning his affordable living expenses, reasonable donation proportions, and investment allocations. This proactive approach to planning contrasts sharply with the impulsive consumption typical of most winners.

After receiving the money, Schultz stuck to his plan. He didn't splurge on luxury cars and mansions but instead made rational asset allocations and also genuinely helped those in need. Interestingly, he turned this experience into content creation—launching a YouTube channel and a Podcast, sharing insights into the mechanics of winning, financial planning after winning, and even interviewing other winners to tell their very different stories.

What does this case illustrate? Wealth itself is neutral; what determines the course of life is always our attitude towards wealth. Whether it’s sudden huge wealth or gradually accumulated earnings, those who truly manage to preserve their wealth and make it serve them often share a common trait: at the very moment they acquire wealth, they choose rationality and planning over impulsiveness and desire.