Lotto hopefuls across the country are imagining how they'll divvy up the jackpot if their numbers are called

$55-million is up for grabs; only the fourth time Powerball's passed $50-million.

Wednesday's $45-million prize wasn't won, making tonight's jackpot a must-win.

Repeat Lotto entrant Lee says she'd be keen to splurge on a cruise, but she also plans on getting her home of Northland another ambulance.

She says Northland has only three ambulances, and she'll also put money towards the coastguard and a helicopter.