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"I was putting together a shopping list when an image of my brother suddenly popped into my head," she said.
The winner said she remembered her brother had won his prize from a $10 ticket, so she looked online for a ticket of the same prize with a large number of top prizes still remaining.
The woman ended up deciding on the Diamond 10s scratch-off.
"I saw a liquor store with a Lottery sign close to the market," she said. "I went in and there was Diamond 10s, so I bought one."
"There were 22 numbers to scratch after I'd revealed my five lucky numbers. I was only on #3 when I found the $100,000 match. I was stunned at first, but I knew in my bones that it couldn't be true," the mother of two said.
The winner said she rushed back to Long Branch Beer & Wine in Silver Spring, where a cashier verified her ticket was a big winner.