Just like Australia's biggest ever winner, the story usually starts the same.
There's shock, disbelief and tears of happiness quickly followed with promises to live an ordinary life — despite their epic bank balance.
When the Lott contacted the New South Wales woman — who has chosen to remain anonymous — directly after the draw to inform her of her life-changing win, she did just that.
"I don't understand — is this actually real?" she said.
"I don't believe it. I don't believe it. Is this a trick?"
And after initially believing she's won $107,000 she was reportedly stunned when she discovered the true eye-watering amount.
"Oh my god. That is just so much money," she told Australia's official lottery provider.
Once the shock wore off, she revealed her aspirations to buy a caravan with the money and give some to her friends and family.
But she had no intentions of giving up work.
"I'm so passionate about my job. It will drive me to do more health work for causes important to me," she told The Lott. "I'm not quite sure what to do but of course I will be helping my family."
It all sounds eerily familiar and is known as the "Lotto curse".
"It ruined my life"
In 2003, British teenager Callie Rogers won £1.875 million (NZ$3.598 million) at just 16-years-old, making her the country's youngest ever lotto winner.
But just six years later, she said the seemingly lucky incident "ruined" her life.
By the time she was 26-year-old, Callie had just $3300 left to her name, but said she'd finally found happiness now the money was gone.
"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.
Murdered for being "wasteful"
For NSW winner Maria Lou Devrell, winning $5 million in 2011 would ultimately cause the end of her life.
In this horrendous story, Maria was betrayed by her accountant Peter Joseph Kelly, someone she and her husband had known for over 20 years, according to the Herald Sun.
After their windfall, Kelly — who was frustrated by Maria's "wasteful" spending" — murdered his client with a rubber mallet in a fit of rage.
"A situation emerged in which they were spending money more quickly than it was being allocated to them by the offender,'' Justice Robert Allan Hulme said in sentencing Kelly to a maximum of 18 years in jail in 2012.
"He seems to have had the attitude that they were being wasteful.''
Maria sadly paid the ultimate price for winning big.
Died penniless and alone
Keith Gordon thought all his Christmases had come at once when he scored $14 million back in 2005.
However, he was sadly mistaken.
The once happily married baker from Shropshire, in the UK, eventually died penniless and alone from a heart attack that was blamed on his money stress.
After his win, he'd quit his job, and lost a lot of cash from investing in dud racehorses, causing him to hit the bottle hard.
He was just 19 when he won £9.7 million (NZ$18.6 million) in 2002 but his wild ways left him with the nickname "Lotto Lout" and the "King of Chavs".
After collecting his winnings with an electronic offenders tag, he frittered away the cash on sex, drugs and countless holidays.
His wild party lasted 10 years, with Michael admitting to smoking $3000 worth of crack cocaine a just one day to help him stay awake.
It wasn't long before his wife took their daughter and moved out of their $500,000 home, and the lout started spending big on prostitutes.
"I've slept with over 4000 women," the now 35-year-old told The Mirror in 2012 after his cash disappeared. "I once slept with more than 20 in one day."
He went on to describe money as the "root of all evil" adding: "It brings out the worst in people."
Another lotto winner who came to an untimely death was Florida man Abraham Shakespeare who won a $US30 million (NZ$44.3 million) jackpot in 2006.
Just three years later the 42-year-old vanished and his dead body was eventually found under a concrete slab. He'd been tragically shot to death.
Dee Dee Moore, a stranger who befriended him after his win, was eventually found guilty of his murder after conning him out of $1.8 million.
It was a only a slither of his huge prize, but it cost Abraham his life.
A court heard Shakespeare had already given away most of his money — to anyone who asked for it — by the time he was murdered.
"Abraham Shakespeare was your prey and victim. Money was the root of evil you brought to Abraham," a judge later told her. She's serving life without parole as battles continue over his estate.
And Aussie Toll courier Gary Baron ended up in a bitter dispute over the winnings of his $16.6 million prize by his co-workers.
His co-workers claimed that the win was a result of the syndicate while he said the winning ticket was purchased separately.
The two-year-long battle ended in August 2017 with the parties agreeing to a settlement on the first day of the trial.
Dealing with a lotto fortune
While winning a life-changing amount of money can be seen as a "curse" there are people who handle life with extra zeros well.
The $107 million winner has started modestly, toasting her record-breaking win with a glass of chardonnay.
When a Queensland couple scooped $70 million in the same way back in 2016, psychologist Zoe Krupka told news.com.au that winners undoubtedly needed financial counselling.
"It gives you a terrible freedom," she said. "There needs to be a step before financial counselling. Couples need to talk about how they want to spend their money and who they want to share it with.
She added the key to surviving a huge win was seeking advice on how to share the news, as it's not a secret you can keep forever.
"The reality is, it can be good for lots of people, but there's no doubt it's always really stressful."