A TOWNSVILLE family have a golden future planned as they tick off their dream items after they landed $28 million in the Oz Lotto jackpot.

The lives of the young family, who preferred to remain anonymous, changed forever about 4.30pm yesterday with just one call to Golden Casket following Tuesday night's monster $100 million draw.

"You bloody rippa!" was the reaction from the father after he was told he had become an overnight multi-millionaire.

"My wife heard on the radio that someone in Townsville had won and she gave me a call and said I should check my ticket," he said.

"But no, no, I did not think it would have been me, I'm glad I gave you guys (Golden Casket) a call."

As they dream of their riches, the family plan to upgrade their cars, indulge in a holiday, buy a property and invest their money as soon as they stop celebrating.

"We'll have to let it all sink in first though. I'm not sure how we will celebrate but as soon as I get off the phone I'm going to go and give my wife a big kiss," he said.

"We'll definitely be speaking to a financial planner."

Stockland Lucky Charm Newsagent owners Annette and Morris Peluchetti said their store really was the luckiest after they sold the winning ticket.

"Things like this never happen to us so we are just so excited and overwhelmed for the family," Mr Peluchetti said.

"We always hear about things like this happening to other people, I'm still pinching myself."

The family are one of four from around the nation -- including two from Victoria and one from the ACT -- to roll in the riches after the largest jackpot in Australian history was drawn.

After the prize pool leapt from $70 million last week, Ms Peluchetti said barricades were installed to confine the mass crowds flooding into their stores.

About 1.6 million tickets were bought in Queensland and eight million around the country.

TattsLotto Spokeswoman Elissa Lewis said the next closest win didn't even compare after two Cairns residents won $1 million earlier this year in separate draws.

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