In 2003, Callie Rogers became one of the youngest-ever lotto winners. This is her life now.

For most of us, winning $3.5 million in the lottery would be life-changing. But imagine taking on that responsibility when you're just 16 years old. Would you be smart with your money or not know what to do with yourself?

Callie Rogers faced that reality in 2003 when she became the United Kingdom's youngest-ever lottery winner, landing a £1.8 million ($A3.5 million) jackpot.

Over the next two decades, rather than save fastidiously, Callie proceeded to blow through the cash.

Now 37, this is what her world looks like now.

Callie's win led to a major spending spree.

After winning the money, Callie's first big splurge was a house to move out of her foster family's home. Then she bought a car, even though she couldn't drive.

Callie has been frank about her wild spending, admitting to dropping £18,000 on three boob jobs, £300,000 on clothes and £500,000 on gifts to friends and family.

But those who say money can't buy happiness were right in Callie's case.

The winnings brought immense pressure and created rifts in all aspects of her life.

Callie Rogers at 16 years old.

When you're rich, it's hard to find true friends.

"Not knowing who liked me for me anymore was difficult," she told ITV's This Morning in 2018.

Callie bought countless gifts for "friends" who flocked to her after she won big. Looking back, she doesn't believe most of them were authentic.

"They were people who came along after I won the lottery and who weren't in my life before and aren't in my life now," she said.

Callie's mental health also took a dark turn. She struggled with depression and tried to take her life twice.

"It just became too much to cope with," she told This Morning. "All the stress of having all the money. I kind of just wanted to go back to having a normal quiet life.

"It was a lot to do with not knowing who loved me for me and who was just using me and who I could trust."

The media frenzy was another thing.

At just 16, Callie's past was splashed across the pages of UK newspapers as journalists rushed to report on the youngest-ever lotto winner.

"They seemed to thrive off negative things," she said.

The comments online were hard to ignore.

"That got me in such a low way."

By 2021, Callie declared bankruptcy and was getting by on Universal Credit support payments, per The Sun.

Callie Rogers now lives life without her winnings. Image: Facebook.

She's used her experience for good.

Now 37, Callie has been a big advocate for raising the National Lottery age, which has since increased to 18.

"I wish I was a bit older at the time of winning," she said. "At 16 you're still just a child and overnight you've got to grow up and become an adult, which was really difficult."

She now works as a carer and says she is happier without her winnings. However, she does wish she had some left over to support her family.

Now 37, Callie has welcomed her fifth child and is in a "happy" relationship, The Sun reports.

She shared heartwarming photos of her new daughter on social media, captioning one, "Mammy's precious girl".

One of her children lives with cerebral palsy which has limited his ability to walk, talk and swallow.

"It just makes the lottery feel like a small thing in my life to deal with," she told This Morning. "That's the main important thing to us."

Nowadays, if Callie wants a holiday she has to save and she can't go out and buy a new car tomorrow, but she's happy and that's what matters most to her.

Feature image: Getty.