There's a big payout heading for Chino Hills, California – one of at least three winning tickets for the $1.6 billion Powerball jackpot was sold there.

But think hitting a big payoff is nice? Well, like in the Biggie song, sometimes mo' money, mo' problems.

Landing any kind of windfall is a big responsibility – whether it's the lottery, an inheritance, a really big tax return or more.

Mess it up and you could be back to zero.

Delia Fernandez has some financial advice for whenever you find yourself rolling in dough. She's a certified financial planner and president of Fernandez Financial Advisory in Los Alamitos.