1. It's not enough
The average Brit would have to win at least £5.4 million before they felt they could afford to give up work, and even then they wouldn't be able to buy everything their heart desires, and live a life of luxury forever.
Unless you've won millions in a rollover week, if you want to splash the cash, then the chances are that you'll need to keep bringing some cash in.
2. It can change the work you do
In reality most of us don't dream of doing absolutely nothing all day: we just want to do something more interesting. More than a third of people would continue working if they won a very substantial amount of money, but 11% would do so in a different career (the most popular alternative option was digital media, followed by film, travel, music, sport and science). A quarter of people, meanwhile, would invest in a business, and run it for a living. The most popular business to go into is property ownership.
3. Even if you don't need the money, you need a purpose
There are plenty of winners who say at the time of their win that they'll never stop work - often because they are needed and valued by the people they work with and for - and don't want to give that up. In some cases they don't want to let people down, in others they have built up a business and they want to see it continue. Some people just value the social side of work too much to give it up.
Without work, winners can struggle to find a direction and a purpose in life. There are plenty of jackpot winners who gave up their job, and then returned out of boredom. Famously one McDonald's employee gave up work, got married, went on a few holidays, got bored, and went back to his old job. It's one of the reasons why even among those who never need to work again, one in six say they would go and work for a charity instead.
But what do you think? Would you keep working, or are you still dreaming of a big win that would let you spend the rest of your days shuttling between the five star hotel and the beach? Let us know in the comments.
Biggest UK lottery winners
Biggest UK lottery winners
Colin and Chris Weir, from Largs in Ayrshire scooped 161 million in the EuroMillions draw after several rollovers in 2011. They are the biggest British lottery winners in history.
Adrian Bayford, who won an astonishing £148m on the Euromillions with his wife Gillian, had to shut up the music shop he owns, because people targeted it with requests for money.
One British ticket won £113,019,926 in October 2010 but decided not to go public.
Car mechanic and racing driver Neil Trotter scooped a staggering £107.9 million jackpot on the Euromillions lottery in March 2014.
Dave and Angela Dawes won £101 million on the EuroMillions in 2011. It was only the third time the couple, from Wisbech, Cambridgeshire, had played the lottery. The couple are said to have since split up.
The sum was won in May 2010 but the winner kept their identity a secret.
One lucky British ticket-holder picked up a £81million EuroMillions rollover but remained anonymous.
Nigel Page and Justine Laycock from Cirencester bagged a £56 million jackpot back in February 2011. On winning the jackpot, Page said: 'I'd already checked my National Lottery account and had seen I'd won £55 on Lotto when I decided to buy two Lucky Dips for the big EuroMillions jackpot on Friday.'
One lucky winner won shy of 50 million but chose to remain anonymous.
Les and Sam Scadding from Newport, South Wales, and a syndicate of seven Liverpudlian call-centre workers shared a staggering £91 million in November 2009. Les, an unemployed mechanic, was £68 overdrawn on the day he bought his ticket, while the Liverpool syndicate only started playing EuroMillions together four months before their win.
Carrington, 22, from Stapleford in Nottingham, banked £45 million after matching all five numbers and two Lucky Stars in a EuroMillions draw in February 2012. The Iceland supervisor said she planned to marry painter fiancee Matt Topham, 22, following the Lucky Dip win.
Husband and wife Gareth and Catherine Bull have fairly modest spending plans despite their £40.6 million jackpot win in January. Speaking about what she planned to do now that she was rich, Catherine explained that she intended to use part of their winnings to replace the carpet on her upstairs landing...
Angela Kelly became one of the biggest lottery winners in UK history back in 2007, after scooping a £35 million EuroMillions jackpot. This is estimated to earn £5,000 a day in interest alone, meaning she's unlikely to ever be short of cash.
In June 2009, 74-year-old Brian Caswell got the surprise of his life when he took his lottery ticket to his local newsagent and discovered he'd won almost £25 million.
Belfast housewife Iris Jeffrey, 58, was the lucky holder of the record 20.1 million rollover lottery winning ticket back in 2004.
Jeffrey, 58, a cancer sufferer, only realised three weeks after the draw took place that she had won the jackpot after organisers Camelot pleaded for the person holding the prize ticket to come forward and claim the prize.
Stephen Smith and his wife Ida from Hemel Hempstead, Herts, won nearly 19 million in the National Lottery. Mr Smith said he would give up his winnings if he could have his health and the chance to live a longer life with his wife.