Kiwis need to be aware of their spending ahead of a massive $38 million draw on Wednesday, the Problem Gambling Foundation says.
The total amount to be won has risen to one of the largest ever after several weeks where nobody scored the top prize.
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It was $32 million last week - but nobody had the winning ticket. The highest prize won was first division without Powerball, which had a $1 million prize that was split six ways.
Foundation spokesperson Andree Froude told Newshub such a large prize encourages people to go out and get a ticket.
"We know that these really big jackpots tend to change buyer behaviour."
But she's warning punters to be aware of their limits and not spend too much in the hopes of hitting the jackpot.
"We do just encourage people to not spend more than they can afford and to know the odds because the odds really aren't that great."
A single line on a Lotto ticket has a one-in-38,383,800 chance of winning.
New Zealand's biggest ever Lotto win - $44 million - went to a Hibiscus Coast couple in 2016.
Froude said if you or anyone you know has a gambling problem you can call 0800 6642 62.