`` When a Chicago woman called in to The Ramsey Show for advice on what to do after winning $1 million from a scratch-off lottery ticket, the financial guru's message was clear: Consult a financial adviser before spending any of it. `` `` Show co-host Dave Ramsey walked Sarah, who chose the lump-sum payout of $600,000, through the tax implications of her windfall, concluding that she would wind up with about $426,300 after withholdings. `` ````Don't Miss: `` Would You Have Invested in eBay or Uber Early? T ...