National Savings and Investments has launched Ernie 5.0 – its fifth generation machine that draws the Premium Bond numbers. It now takes just 12 minutes for numbers to be generated by the Electronic Random Number Indicator Equipment compared to 10 days back in the early 1970s. This week, editor Simon Lambert, assistant editor Lee Boyce and host Georgie Frost answer the question – what would you do if you gained a windfall, big or small, either from the Premium Bonds or by other means? What does it mean to win big and what are the first things you need to think about if you’re lucky enough to come into some cash? We also discuss a 57-year-old reader who was the latest star in our regular Money Pit Stop series, who wants to make sure his own investment portfolio can withstand downturns and provide him with a good income at retirement.