What would you do with a big sum of money, say if you won the lottery, received an unexpected inheritance or perhaps went to the 2014 winter Olympics in Sochi and won gold (yes, BBC Capital knows that option is a bit far-fetched for most of us)?

An unexpected windfall can be a huge financial boon, but it can disappear quite quickly if you’re not careful.

The rate of lottery winners filing for bankruptcy within five years of winning is double that of the general population, according to a US study by economists at University of Kentucky, University of Pittsburgh and Vanderbilt University.

Click “play” to learn how to save, even increase, a surprise bonus — in 90 seconds.