You won $500 million on the Powerball lottery. So how much is REALLY yours to keep?

So your multi-million dollar win is sitting in the bank and you're pretty happy about everything right now. But then your finance manager taps you on the shoulder. "I think there's something you should know..." she says. Forbes.com looks into a winner's money and comes out with some surprising options for you.

Inside America's lottery empire...how Mega Millions and Powerball grew so big [VIDEO]

Is this the secret to today’s enormous jackpots? The main prizes for the Mega Millions and Powerball have been on the rise since the two struck a deal to cross-sell tickets in each others' member states in 2010. But there’s much more to the story. CNBC investigates in this fascinating documentary.