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By Marguerite Ward

So you weren’t one of the lucky three winners in California, Florida or Tennessee who will share in the $1.5 billion Powerball.

Millions of Americans are recovering from their billion-dollar hangovers this morning and heading back to work, scrapping their dreams of exotic travel and expensive cars.

So now what?

The only way to real financial freedom is to set realistic money goals, invest properly, save money and watch your spending, financial experts say.

“A lot of individuals who are not saving for their retirement are standing in line to buy a Powerball ticket,” said Brad Klontz, a financial psychologist and associate professor at Creighton University in Nebraska. “It’s a lot more seductive than instituting a savings plan.”

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