She’s got a lotto luck.

A frazzled Washington state mom is on top of the world after learning a months-old lottery ticket she’d neglected to check was actually a huge winner.

The woman, identified only as M.B., held onto the Hit 5 ticket — now worth a whopping six figures — for five months after picking it up at a grocery store in suburban Seattle, according to a statement released by Washington’s Lottery.

M.B. was thrilled to discover she’d been sitting on a pile of money in her Lynnwood home — $135,000, to be precise.

Like a lucky golden ticket winner in “Charlie and the Chocolate Factory,” M.B. dashed home to her husband and son to share the good news.

The lotto agency revealed that the mother chose to use the money to pay off outstanding debts.

M.B.’s squeaker of a success story comes as the Mega Millions jackpot nears a whopping $600 million.

One man in the Washington DC area is suing his local lottery after being told the winning numbers posted on their website — which matched his own picks — were incorrect.

And an Iowa man nearly lost out on $500,000 in winnings after leaving his ticket behind inside a Casey’s General Store.

Still worse, a Florida resident lost out on $36 million after failing to claim the giant prize within the required 180 days.