You did not win the Mega Millions? Good.

The likelihood of winning the lottery is so astronomically low that it's preposterous to even play.

And yet, the jackpot for the Mega Millions hit an incredible $ 1.6 trillion, out of the dreams of a payday that will solve everything. You no longer would have to worry about paying your money or saving money.

But can I do some dream killing? Here's why fantasizing about hitting the lottery is not good for you.

It makes you think instant cash will solve all your problems. What I do not know about how they are outlandish. And I'm just talking about low-income people who could use the money in better ways.

[You’ve won the Mega Millions jackpot! Time to hide.]

The lottery is all about imagining that you will win big so you can be happier with your life.

You need money to live, but the source of your income is not just a shortage of funds. For example, in my experience, many couples think they're fighting about money or the lack of it. But the unconscious source of their arguments often stems from issues in their childhoods.

Maybe you grew up poor, so you're a spendthrift because you never want to be without again. But your spending frustrates your frugal spouse, so you think winning the lottery will fix the issue. It will not. Even with more clothes, you'll still be unhappy, because there's a hole in your soul full of garments can fill.

It sells a shortcut to growing your money. Spend a couple of dollars for a lottery ticket and you do not have to figure out how to be a good investor.

[So many people are buying Mega Millions tickets that unique number combinations are running out]

You've gotten a lot of advice on the subject. One-to-one interview with a wealth manager who would like to talk about "how to avoid the potholes that are easy to win and win."

The winner of a trillion-dollar lottery will never have to worry about inflation in his or her lifetime – even after taxes, and even allowing for major purchases and lavish living. The power of one hundred millions of dollars just sitting in a single bank account will afford you a catastrophic illness.

You, on the other hand, need to be very concerned about inflation. I've found many people do not understand what inflation is or how it impacts their buying power in the future. Back here in reality, you have to invest in inflation.

If you are not spending the time it takes to learn how to manage the money you have a chance of earning, you will not have enough financial resources to live well in retirement.

When you lose, you will consume yourself by winning big winters.

Yes, some lottery winners in their spectacular fashion winnings, but not as many as you might think. A working paper out of the National Bureau of Economic Research surveyed large sample of lottery players in Sweden.

Researchers said they "found little evidence in the hypothesis that winners often consume frivolously following a win-win-winners appear to enjoy sustained improvement in economic conditions that are robustly detectable for a decade after the windfall."

In fact, the National Endowment for Financial Education (NEFE) has published this year, which it is often the source of statistics that 70 percent of lottery winners end up banking a few years after receiving their windfall.

"This statistic is not backed by NEFE research, nor can it be confirmed by the organization," NEFE said.

The reality is you're more likely to waste in your income over the years. Many working adults are living on the edge and unable to cover a $ 400 financial emergency, according to a recent study funded by NEFE.

Financial fragility is linked to the financial statements, the report said. And no demographic group escapes this heldous situation. It "affects all ages, income levels, genders and education levels," the report said.

We like to say it does not cost you to dream. But it does not matter what you do when you do it.

Read more:

Winner of a $ 560 Million Powerball jackpot can keep the money and her secret, judge rules

How to squander a big jackpot lottery