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Would you rather get one payment of $2 million or $4,000 a week for life? (Page 2)
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Given current interest rates the 4K weekly. you can calculate a NPV on each stream using current yield curve as discount rates. That’s the appropriate discount rate if there’s no risk on the payer of the 4K.
Well i most likely will live more than 10 years so id make more than 2mm total. Plus at 200k per year its a decent rate of return on 2mm so im not necessarily going to do much better investing the lump sum. So... clear answer. Plus irl when this happens with lotto there are clear tax advantages to taking the payments over the lump sum.
Assuming that the tax burden was equivalent or not a factor, I would take the 2 million. I can invest that at a decent rate (~ 10-12%) for a long time. $ 4000 a week is $192,000 per year, or only 1.9 million over 10 years, so it would take slightly over 10 years to accumulate 2 million, while during that time inflation and opportunity cost is eating away at the value of the money.
If you don't know how to invest money, or don't want to, the $ 4000 per week is better for you.
Well, I calculated how many years I should have left to live and 4,000 per week would give me over 12 MILLION, so yeah.
2 million because if you got $4,000 a week and you pass away you can't believe nobody money but if you have 2 million dollars and it's the best way you can leave some of the money to one of your friends are in a will
2 million now...
Unless you can pay me 4000$ worth of Bitcoin at today's rate every week..
Than the 4000$ deal.. Otherwise just give me 2 Million so I can buy 210 Bitcoins and achieve my dream
I'd choose the 4k it's more than the minimum interest I get on my stocks and I think I'd live to get more than 2 mill... That being said I'm not sure if I'd want that kind of money for doing nothing.
I rather get $4,000 every week. You be surprised how fast you can spent 2 million. Plus if you choose $4,000 every week you get a lot more money then just 2 million. Why would you choose 2 million when you get a lot more money with opition B and be set for life.
4,000 * 4 is 16,000. 16,000 x 12 is 192,000, and 192 * 80 (Guessing how long most live) is $15,360,000.
So, 4,000 a week would be the better option.
That’s odd. I did 4,000 x 52 weeks and got $208,000 a year, but when I do it by month and then 12 months like you did, we get the same answer.🤔
@Matt57 You didn't multiply it by the average lifespan, so It would be 208,000 a year, then multiply that by 80, or however long you think most people live. :)
I purposely didn’t do that. What I am referring to is that you got $192K per year one way, and I got $208K per year a different way.
@Matt57 I honestly don't know. There are 4 weeks in a month, so that's $16,000 a month, and 12 months a year... And that equals $192,000.
I'm confused, honestly. 😅
I am too. 52 weeks in a year, so $4,000x52=208,000🤔
@Matt57 Maybe because there's isn't exactly 4 weeks in each month... So maybe the math was wrong.
Maybe. It always gets counted as 52 weeks though.
@Matt57 Well, 4*12 is only 48, so I got 48 weeks in a year. And there are actually 52... So, you'd get even more money.
Maybe this is all just a Conspiracy🤔
@Matt57 😅 Maybe, who knows.
@Matt57 Because 4 weeks is 28 days, and only one month has 28 days. 28*12=336. You're missing 29 days.
@Artesian Yeah, that's what I realized after I did the math. My mistake, but either way. you own more money with 4,000 a week.
Yes unless you plan to die soon, take the weekly payments.
As for me I’ll take the $2 million up front because with the coronavirus going around $4000 a week isn’t enough & who know how many weeks we have left anyway.
You would pay less taxes and probably make more money over your lifetime with $4,000 a week. The $2 million would make sense if you were an older person who may have less time left in their lives.
see how you are using your business degree? LOL Yes, if you are like old like 52 , lol, you might want it all.
Let me use my business degree, lets see average person lives to be 80 these days , I won't but average person will. Ok, I am 51 (thank God I look 31) years old , 80 - 51 = 29, 29x 12 months = 348 x $4000 = $1,392,000. I guess I better take whole amount. ain't getting older a bitch?
@888theGreat You aren't considered old until you hit 60. I'm more than half way there.
hmm 60 ? That will be soon enough. Move to Indiana , I might need your help soon.
4k USD that's 28k SK, a Good average pay. That plus whatever else I get from working will allow me to live while alive and still young. And later on, accelerate towards whatever.
I'd go for the $2 million myself. I could either invest it on my own and definitely average at least $4k a week or throw it in a high-interest savings account and not touch it...
Gtfo. Reported.
The sensible choice depends on your age. Somewhere around my age, taking the $2M is the better choice given life expectancy and declining utility of money with age.
If i get i this second the two million because i know a company whos stock are going to go up probably 7 times when the world flattens out and i could buy a 25%share witch is all the available stock and still have a million in cash
I'd want to know which company please
As much as I’d like to have €2 million at once, receiving €4000 a week seems more safe as 2 million could easily be squandered in one go and never reimbursed 💶💶💶
Considering marginal tax rates and my life expectancy, I'd take the $4000 a week.
(If it were truly, 100% guaranteed)
I mean If you add it up, 4000 a week let’s say I live till 70, that’s 52 more years and 4000 a week would add up to over 10 million over that time sooooooo...
4000 a week for life? Is the life in america really that expensive or is it rather just more or less random number?
To me personally that sounds like a sweet deal. Anything above 800 a week is a good deal in my opinion.
@theChineseWASP agreed, that's why I asked
No life in America is not that expensive. That is a high number by anyone's measure I'm pretty sure of it.
Money has more buying power now than in the future. $4000 a week might not even buy groceries in a decade.