I get what you're saying, but to some extent think that if you (generally you) live in fear of "what if", the lottery wouldn't help that much either. I mean, probably our greatest fear as parents is losing a child. And we can do things to minimize that risk, but as parents of type 1s, we all know that lightening can strike anytime, and we are sometimes powerless to prevent it. Having all the money in the world can't protect us from that sort of loss. And winning the lottery brings its own stresses with it. Can you imagine the "friends", neighbors, and long-lost relatives that would be knocking at your door? The letters from strangers with their sob stories? The solicitations from charities and financial advisors. I think it's easy to say those sound like problems you'd like to have, but if you read interviews with lottery winners, the reality can be very, very stressful. Anyway, when we look around at our friends and neighbors and are jealous of material possessions, we're usually not talking about lottery winners anyway. My job puts me in the position of knowing quite a bit about a lot of people's financial situations, and you'd be appalled if you knew how broke some really "rich" people are. But I agree with you Scott, that it would be comforting to know that you had enough money in the bank to live comfortably, even if you lost your job, and that may truly be something worth coveting.