NC Lottery: Cheryl Ratliff’s Won $4 million prize

NC Lottery: Cheryl Ratliff’s Won $4 million prize

Raleigh, NC (STL.News) For Cheryl Ratliff of Wingate, winning a $4 million top prize on a $10,000 Loaded scratch-off fulfilled a life-long dream and will help set her family up for the future.

“I felt real good about that,” she said of her big win.  “To me, that’s a blessing.  It’s a dream come true.”

Ratliff purchased her winning $20 ticket from Claws on North Charlotte Avenue in Monroe.

“I got to work and I scratched it off and my eyes went completely cuckoo, I thought I was seeing things,” she recalled, laughing.  “I literally went outside and called my husband, called my kids.  I was crying,  I didn’t believe I won that much money.”

Ratliff claimed her prize Friday at lottery headquarters in Raleigh.

She had a choice of taking the $4 million as an annuity of $200,000 a year over 20 years or a lump sum of $2.4 million.  She chose the annuity and, after state and federal tax withholdings, walked away with her first payment of $141,506.

“It’s a blessing to see that dream come true that one day you’d hit it like that,” said Ratliff. 

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