There’s $1.586 billion in the Powerball jackpot tonight, so yeah, today’s the day your life changes forever.

Or actually – and we feel bad breaking this to you – almost certainly not.

It’s only – only? – a 1 in 292 million shot.

The numbers drawn the for jackpot were: 4, 8, 19, 27, 34 and a Powerball of 10.

Still, until it’s known that the winner is absolutely not you, let’s agree that today is the day when everything changes.

Here’s what you’ll need to know:

A SINGLE PRIZE WOULD MAKE HISTORY

If a single winning ticket is sold, this easily will be the biggest lottery payoff in U.S. history and, depending on how you slice it, the world. There was a $2 billion-plus lottery in Spain a few years ago, but it was split up by about 1,000 Spaniards.

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That said, you don’t get to take home the whole $1.5 billion, at least not all at once. You can collect that amount only if you choose the annual payment payout, a deal that gets you impossibly huge checks every year for the next 30 years. And, yes, if you have the misfortune to go to the great Powerball in the sky during this period, the checks will keep going to your heirs.

If you choose the cash-me-out now option of an immediate lump-sum payout, you’ll walk off with a pretax check for $930 million. And after you’ve paid federal taxes on that (California doesn’t impose a state tax on lottery winnings) you’ll have to scrape by on $562 million.

And here you thought you were going to be a billionaire.

DON’T RUSH YOUR REACTION

When you win the Powerball tonight, do you:

A) Run out in the street in your boxers hootin’ and a-hollerin’

B) Post a picture of your winning ticket on Facebook

C) Gather your immediate family around and swear them to secrecy on penalty of disinheritance

The correct answer, most lottery experts say, is closer to C than anything else.

Don’t broadcast your incredibly good fortune unless you want every con artist, grifter, elementary school sweetheart and alleged third cousin on your doorstep. Do keep quiet about it until you can plan for that safe full of Acme gold bars that’s about to fall on your head.

“The biggest mistake is that people rush,” said Michael Kosnitzky, a lawyer who has helped a dozen winners of supersized lotteries.

Instead, answer some basic questions: Do you want the lump sum? You probably do, but you probably shouldn’t; many experts suggest the certainty of big checks is a good thing. Should you form a trust to shelter your new wealth? Yes. Is lottery insurance a good idea? Probably not, but it’s out there.

Until you’ve made these decisions, lie low.

CLEAR UP THE OFFICE POOL

There’s only one thing worse than somebody at your office winning tonight’s $1.5 billion Powerball and that somebody not being you.

Suppose it’s somebodies. As in plural. As in the office pool you chose to blow off.

Office pools are extra popular when jackpots reach eye-popping numbers. But you want to be careful how you create it, how you maintain it until the drawing is over and how to handle things whether you win $1.5 billion or a buck-fifty.

First, make sure everyone knows who’s in and who’s out. Keep a list of everyone who ponied up their two bucks for the pot. Print out photocopies of the tickets you buy to hand out to everyone. And, above all else, get the ticket money up front.

Clarity is your goal. Everybody should know where everybody stands before the winning numbers come out.

And remember this: Studies show most people who win big in a lottery actually – and we admit this sounds insane – return to work. They gloat, probably, and don’t accept a lot of lame assignments. But they do return to work.

A clean office pool means no bridges are burned.

IGNORE THAT JACKPOT MEME

If you’ve been on Facebook in the past week, you’ve seen the dominant meme of our current Powerball mania. It’s a picture that looks like a green chalkboard on which is written: “Powerball 1.3 billion (divided by) U.S. Pop. 300 million (equals) everyone receives $4.33 million.”

Sounds like a sweet deal, right? It would be, but for the bad math. The actual result would be $4.33 for each of us, and suddenly we’re not quitting our jobs (or not) like we were just a moment ago.

Since this is social media, of course there’s a counter-meme: A panel from a vintage Batman comic shows the Caped Crusader slapping Robin with text to correct the Boy Wonder’s flawed math superimposed on the image.

(And don’t even get us started on the fact that the current population of the United States is actually estimated at 320 million or thereabouts.)

AND NOW YOU’RE FAMOUS

You win this thing, you’re the richest kid on your block.

But what neighborhood would you land in if you actually filled up your armored car with the post-tax, cash-me-out-now payment of $562 million?

We went to therichest .com, a website that includes a list of the 100 richest celebrities, and found your new friends and neighbors.

At $562 million, your new net worth is more than rapper Jay Z. It’s also more than talent impresario Simon Cowell, pop diva Mariah Carey, country singer Dolly Parton and Matt Groening, creator of “The Simpsons.”

And with careful investments and carrying a sack lunch to work, you might one day catch up to the folks $10 million to $50 million richer than you, folks like Bono, TV producer Chuck Lorre, novelist Danielle Steele and Barbara Sinatra, widow of Old Blue Eyes himself.

Maybe celebrity isn’t enough for you; maybe you want to be worth as much as a nation. Consider it done. Your $562 million net worth would beat the gross domestic product of a handful of small countries such as Dominica, Tonga and Palau.