This is great thanks for posting.
How do you deal with apathy? Like in current political climate in which many people (all?) would decline the lottery?
People could also have lots of reasons to decline. Personal, professional, etc. What were the incentives to accept?
The "rule" is 4%, and even that number is high at this point. I think 3, it 3.5 is closer to reality.
So it would get you ~60k.