3 ways you win by not waiting for future payments. A lawsuit winner, an annuity holder, and a lottery or jackpot winner may have one thing in common; they are likely receiving payments spread out over time. Whether they never had the option of taking all their money up front, or circumstances induced a long-term payout, there are currently safe and legal options to cash in future payments for a lump sum. Waiting out the long-term payout may or may not be the best choice. There are at least 3 wa.