NEW YORK (AP) — There’s no shaking it. Your chances of winning the lottery are extremely slim.

After no big winner Tuesday night, the Mega Millions jackpot climbed to an estimated $1.25 billion. If someone wins it all on Friday, when the next Mega Millions drawing takes place, the prize would one of the largest in U.S. lottery history.

But don’t plan on entering a new tax bracket anytime soon. The odds of winning a Mega Millions jackpot — no matter the size — stand at about 1 in 302.6 million. And chances of taking home a top prize for Powerball, which had an estimated jackpot of $95 million Wednesday, are near 1 in 292.2 million.

Because of the almost impossible chance of winning big, experts stress that you shouldn’t spend all your money on lottery tickets. If you choose to play, it’s important to be mindful of what you can afford — and maybe consider other places to put your money, even if it’s just a few dollars at a time.

Lottery tickets are “definitely not good investments,” Matthew Kovach, an assistant professor in Virginia Tech’s economics department told The Associated Press last month. “They’re not even investments … there’s an expectation you will always lose money.”

Here are some things to know about the odds of winning the lottery.

WINNING THE LOTTERY IS NEARLY IMPOSSIBLE. WHAT’S MORE LIKELY?

There’s a long list of rare events that are more likely than winning the Mega Millions or Powerball jackpot.

A common comparison is the odds of getting struck by lightning once in your lifetime, which stand at about one in 15,300. Even if you bought a lottery ticket for every drawing over 80 years — two times a week for Mega Millions and three times a week for Powerball — you would still be far less likely to win than to be struck by lightning one time in your life, Syracuse University mathematics professor Steven Diaz said.

“A slightly darker example,” Kovach added, is comparing the odds of winning the lottery to getting into a fatal car accident on the way to a store. “Imagine you have to drive half a mile to buy your lottery ticket, so you have a 1 mile round-trip. It’s about 4 times as likely that you die in a car accident on the trip to buy your ticket than you are to win,” he said.

Of course, both Mega Millions and Powerball offer a handful of tiers below the top jackpots — with the lowest prizes starting at $2 and $4, respectfully. For both games, the odds of winning any prize stand at about 1 in 24.

HAS WINNING THE LOTTERY BECOME HARDER?

Yes. Winning the lottery has become harder in recent years, causing jackpots to grow bigger and bigger — and that’s by design.

Such big jackpots comes down to math and more difficult odds. In 2015, the Powerball lottery lengthened the odds of winning from 1 in 175.2 million to 1 in 292.2 million. Mega Millions followed two years later, lengthening the odds of winning the top prize from 1 in 258.9 million to 1 in 302.6 million. The largest lottery jackpots in the U.S. have come since those changes were made.

HOW MUCH DO JACKPOT WINNERS REALLY TAKE HOME?

When someone wins a lottery jackpot in games like Powerball or Mega Millions they have two options: an annuity that is distributed over 29 years or a (significantly smaller) cash payout.

The estimated $1.25 billion jackpot seen for Mega Millions’ Friday drawing, for example, is the annuity option — and the cash value for this prize is nearly half that, standing at $625.3 million. Most jackpot winners opt for the cash.

Federal and state taxes will also lower the money you take home, with deductions depending on where you live.

IS BUYING A LOTTERY TICKET A GOOD INVESTMENT?

Because winning is so rare, experts maintain that lottery tickets are horrible investments — but note that every person’s reason for playing the lottery is different.

Some people might buy a $2 lottery ticket as a form of entertainment and find satisfaction in “the excitement of thinking you might win,” Diaz said. Meanwhile, others may enter the lottery out of feelings of desperation or financial struggle — with experts pointing to consequences that have disproportionately impacted low-income communities.

The lottery has historically acted as a regressive tax on the poor, meaning the people that can least afford to lose their money buy the most tickets, Lia Nower, a professor and the director of the Center for Gambling Studies at Rutgers University, previously told The AP.

She said her “concern with lottery is really more people who are buying it every day or two or three times a week” as opposed to those who purchase one ticket as the jackpot nears $1 billion.

A $2 ticket may not seem like much — but it can add up for those who are regularly entering the lottery over time. Alternative spending options could include opening an investment account that allows you to invest in small amounts or buying partial stock, Kovach said.

“In reality, it’s probably best to diversify by something like an index fund — but if you’re just starting out, I would… (suggest putting it) in the stock market or something like that,” he said. “You will actually probably see a return over time.”

WASHINGTON (AP) — Donald Trump was indicted on felony charges Tuesday for working to overturn the results of the 2020 election in the run-up to the violent riot by his supporters at the U.S. Capitol, with the Justice Department acting to hold him accountable for an unprecedented effort to block the peaceful transfer of presidential power and threaten American democracy.

The four-count indictment, the third criminal case against Trump, provided deeper insight into a dark moment that has already been the subject of exhaustive federal investigations and captivating public hearings. It chronicles a months-long campaign of lies about the election results and says that, even when those falsehoods resulted in a chaotic insurrection at the Capitol, Trump sought to exploit the violence by pointing to it as a reason to further delay the counting of votes that sealed his defeat.

Even in a year of rapid-succession legal reckonings for Trump, Tuesday’s indictment, with charges including conspiring to defraud the United States government that he once led, was stunning in its allegations that a former president assaulted the “bedrock function” of democracy. It’s the first time the defeated president, who is the early front-runner for next year’s Republican presidential nomination, is facing legal consequences for his frantic but ultimately failed effort to cling to power.

“The attack on our nation’s Capitol on Jan. 6, 2021, was an unprecedented assault on the seat of American democracy,” said Justice Department special counsel Jack Smith, whose office has spent months investigating Trump. “It was fueled by lies, lies by the defendant targeted at obstructing a bedrock function of the U.S. government: the nation’s process of collecting counting and certifying the results of the presidential election.”

The Trump campaign called the charges “fake” and asked why it took two-and-a-half years to bring them.

Trump was the only person charged in Tuesday’s indictment. But prosecutors obliquely referenced a half-dozen co-conspirators, including lawyers inside and outside of government who they said had worked with Trump to undo the election results. They also advanced legally dubious schemes to enlist slates of fake electors in battleground states won by Democrat Joe Biden to falsely claim that Trump had actually won them.

The indictment accuses the defeated president and his allies of trying to “exploit the violence and chaos” by calling lawmakers into the evening on Jan. 6 to delay the certification of Biden’s victory.

It also cites handwritten notes from former Vice President Mike Pence that give gravitas to Trump’s relentless goading to reject the electoral votes. Pence, who is challenging Trump for the GOP presidential nomination, declined overtures from a House panel that investigated the insurrection and sought to avoid testifying before the special counsel. He appeared only after losing a court fight, with prosecutors learning that Trump in one conversation derided him as “too honest” to stop the certification.

Trump is due in court Thursday, the first step in a legal process that will play out in a courthouse situated between the White House he once controlled and the Capitol his supporters once stormed. The case is already being dismissed by the former president and his supporters — and even some of his rivals — as just another politically motivated prosecution.

Yet the case stems from one of the most serious threats to American democracy in modern history.

The indictment centers on the turbulent two months after the November 2020 election in which Trump refused to accept his loss and spread lies that victory was stolen from him. The turmoil resulted in the riot at the Capitol, when Trump loyalists violently broke into the building, attacked police officers and disrupted the congressional counting of electoral votes.

In between the election and the riot, Trump urged local election officials to undo voting results in their states, pressured Pence to halt the certification of electoral votes and falsely claimed that the election had been stolen — a notion repeatedly rejected by judges. Among those lies, prosecutors say, were claims that more than 10,000 dead voters had voted in Georgia along with tens of thousands of double votes in Nevada. Each claim had been rebutted by courts or state or federal officials, the indictment says.

Prosecutors say Trump knew his claims of having won the election were false but he “repeated and widely disseminated them anyway — to make his knowingly false claims appear legitimate, to create an intense national atmosphere of mistrust and anger, and to erode public faith in the administration of the election.”

The document carefully outlined arguments that Trump has been making to defend his conduct, that he had every right to challenge the results, to use the courts, even to lie about it in the process. But in stark detail, the indictment outlines how the former president instead took criminal steps to reverse the clear verdict voters had rendered.

The indictment had been expected since Trump said in mid-July that the Justice Department had informed him he was a target of its investigation. A bipartisan House committee that spent months investigating the run-up to the Capitol riot also recommended prosecuting Trump on charges, including aiding an insurrection and obstructing an official proceeding.

The indictment includes charges of conspiring to defraud the U.S., conspiring to obstruct an official proceeding, obstructing an official proceeding and violating a post-Civil War Reconstruction Era civil rights statute that makes it a crime to conspire to violate rights that are guaranteed by the Constitution — in this case, the right to vote.

The mounting criminal cases are unfolding in the heat of the 2024 race. A conviction in this case, or any other, would not prevent Trump from pursuing the White House or serving as president, though Trump as president could theoretically appoint an attorney general to dismiss the charges or potentially try to pardon himself.

In New York, state prosecutors have charged Trump with falsifying business records about a hush money payoff to a porn actor before the 2016 election. The trial is set to begin in March.

In Florida, the Justice Department has brought more than three dozen felony counts, accusing him of illegally possessing classified documents after leaving the White House and concealing them from investigators. That trial begins in May.

Prosecutors in Georgia are also investigating efforts by Trump and his allies to reverse his election loss to Biden there. The district attorney of Fulton County is expected to announce charging decisions within weeks.

Smith’s team has cast a broad net as part of his federal investigation, with his team questioning senior Trump administration officials, including Pence, before a grand jury in Washington. Prosecutors also interviewed election officials in Georgia, Wisconsin, Michigan and other battleground states won by Biden who were pressured by the Trump team to change voting results.

Rudy Giuliani, a Trump lawyer who pursued post-election legal challenges, spoke voluntarily to prosecutors. Giuliani was not named in the indictment, but appears to match the description of one of the co-conspirators. A spokesman for Giuliani said Tuesday night that Trump had a “good-faith basis” for the actions he took.

Attorney General Merrick Garland last year appointed Smith, an international war crimes prosecutor who also led the Justice Department’s public corruption section, as special counsel to investigate efforts to undo the election as well as Trump’s retention of classified documents at his Florida home, Mar-a-Lago. Although Trump has derided him as “deranged” and called him politically motivated, Smith’s past experience includes overseeing significant prosecutions against high-profile Democrats.

The Justice Department’s investigations began well before Smith’s appointment, proceeding alongside separate criminal probes into the rioters themselves. More than 1,000 people have been charged in connection with the insurrection, including some with seditious conspiracy.