The First Lie: The Annuity vs. The Dragon's HoardYour first decision, and by far the most important, happens before you even see a dime. You must choose how you want your prize: as an Annuity or a Lump Sum Cash Option.The Annuity is the $843 million. But you don't get it in a giant, novelty check. You get it as a 30-year payout plan. You get one immediate payment, followed by 29 annual payments ..