A BRITISH woman who won $3.2 million when she was aged just 16 now has just $3300 left, but insists she's never been happier.

Callie Rogers scooped the jackpot in 2003 but said she was too young to win such a large amount and wasted it on property, expensive holidays and nights out with friends.

Now a mother of three, Ms Rogers said the win had left her with nothing but trouble and without a sense of purpose.

The 26-year-old now works as a carer and lives in a $130,000 home after a decade of relationships and partying that sent her broke.

"It was too much money for someone so young. Even if you say your life won't change, it does and often not for the better," she told The Sun.

After falling pregnant in 2005 with son Kian she gave up her partying life but revealed the pressures of being a parent got to her and she attempted suicide.

Fortunately her family rallied around and she had daughter Debony with partner Nicky in 2007, but later split after he cheated on her.

She went on to have counselling but said she was still unhappy being rich but soon realised her funds were disappearing, having spent $415,000 on cocaine.

Battling depression and just wanting to be normal, she told Closer magazine that it wasn't until she met factory supervisor and part-time fireman Paul Penny that she found someone who wanted to be with her just for who she was and not for her money.

"Paul had no idea who I was or that I was ever a millionaire. I didn't tell him - after a while, he found out from mates, but he fell for me, not the money," she told the magazine.

The couple soon fell pregnant with twins, but tragedy struck when Blake's twin died.

And despite the major setback, Ms Rogers, says it's only now she feels content and happy for the first time since her win.

"My life revolves around the kids and, if they want something expensive, they wait for birthdays and Christmas," she said.

"I'm glad they'll grow up knowing the value of money."