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[Anonymous No.54056975]

[Anonymous No.54056988]

>>54056975
Idiots. Time value of money. Gimme today.

[Anonymous No.54057006]

I know it’s a bunch of teenagers voting on YouTube but Jesus Christ financial illiteracy is absolutely rampant

[Anonymous No.54057012]

>>54056975
You only get 33% more for waiting 30 years? Yeah you could put the 10 million in bonds and make 5 million faster than waiting that amount of time

[Anonymous No.54057020]

>>54056975
lol fucking retards. how are people this dumb?

[Anonymous No.54057039]

>>54057012
average post-inflation stock market returns dwarfs it

[Anonymous No.54057045]

>>54056975
>take 10 mil
>put in t bill that yield 6%
>make 600k

[Anonymous No.54057062]

these are the people you're competing against
if you can't win against them you can't win against anyone

[Anonymous No.54057065]

>>54056975
Assuming the motivation is lifelong financial stability, 5% return on that $10,000,000 is $500,000. You can literally have both.

[Anonymous No.54057075]

>>54057006
No, they're just self aware. They know they'll waste the money and if you get the 500k a year and waste one year at least you can try again the next year to save some.

[Anonymous No.54057087]

>>54057012
>all governments aren't going to implode in the next 30 years bananna republic style

You're a retard

[Anonymous No.54057091]

>>54056988
The choices are too easy. What if it's $2mil today vs $500,000k a year for 30 years?

[Anonymous No.54057100]

>>54057062
Wrong Im not competing against these subhumans Im actually subsidizing them

[rakesh kumar No.54057130]

I have health issues that will kill me before 30, give me the 10 mil

[Anonymous No.54057142]

>>54057087
In what apocalypse are a government's bonds worthless but not the dollars they issued?

[Anonymous No.54057145]

>>54057100
only if you keep your assets in the old system
in which case you've been out-competed already

[Anonymous No.54057172]

>>54056975
Thats the average intelligence of the NPC. They were taught to be poor and wageslaves.

[Anonymous No.54057182]

>anon chooses the 10M
>fast-forward 2 years
>anon has lost everything and only has 50 bucks left on his bank account and bunch of dead shitcoins that will never bounce back
Now what?

[Anonymous No.54057185]

>>54057091
I'd still say today. You can earn more than 15 million in 30 years starting out at 2mil

[Anonymous No.54057194]

500k a year is actually a better choice for most people

Just look at those pro athletes or lottery winners thar go broke after a few years... a lot of people are really dumb with your money. With 500k a year, you can truly live care-free

[Anonymous No.54057209]

A lot of people itt missing the decimal place.

[Anonymous No.54057462]

>>54057194 Most people can't manage money

[Anonymous No.54057583]

>>54056975

The best part is these people think they are being smart by taking the passive income lol

Zoomertards deserve to be poor

[Anonymous No.54057785]

>>54057185
Yeah just put it all on chainlink

[Anonymous No.54057833]

>>54057075
this. I have had conversations about the lottery, people telling me they will either waste it so quickly or that they would become extremely greedy if they won it
like, what??? you faggots are so aware and would still do it?? I will never understand but oh well.

[Anonymous No.54057868]

>>54057785
LINK $1k end of 2053?

[Anonymous No.54057894]

500k a year for 30 years is 15mil

10mil now youd need to be consistently hitting 2% growth on your portfolio. Thats assuming you took out no money for living expenses.

[Anonymous No.54057896]

>>54056975
I'd take the 10 million and invest it all in real estate. Being a renter is the only safe investment. 10 million/ 100 000 for an appartment in a mid sized city (in France) = 100 appartments.
A 100k apartament in a medium sized ciry rents for around 500€. So 50k €/ month, even if I only get 50% of the value due to the half going poof in taxes, some problems with some renters, cost of administering, repair work etc it's still 25k/ month, or 300k / year + I still have a passive wealth in assets at around 10 million that only appreciates in value as time goes by.

[Anonymous No.54057905]

>>54056975
>10mil vs 50mil
>500k a year safety net for doing fuck all
>implying I can't just reinvest the 500k into a plethora of assets and allow it to grow
>implying I couldn't make 10mil within the first 3 years with 1.5mil
people are trying to diss the latter, but you could get one of your colored friends to co-op a business with you, and have them get you a loan of 10mil by having them convince the lender they're doing some kind of POC business, and look you have 10mil.

[Anonymous No.54057917]

>>54057091
I think I'd go with the 500k as I have like ~300k right now and I am feeling a large amount of fear, uncertainty, and doubt and do not want to invest in anything at all. This would be unchanged if I had $2m. At $10m I could actually buy a compound in New Zealand.

[Anonymous No.54057919]

>>54057894
Real estate.

[Anonymous No.54057926]

>>54057894
>what is inflation
based retard

[Anonymous No.54057952]

>>54057039
This changed my mind

[Anonymous No.54057962]

>>54057919
>>54057926
The 500k a year doesnt prevent you investing but also ensures you have a consistent income. /biz/tards will dump all 10mil then go back to living like bugmen peasants waiting on returns to payout.

[Anonymous No.54057985]

>>54057962
See >>54057896
10 million in real estate + 300k/year beats 0 millions in anything + 500k/year.

[Anonymous No.54058062]

>>54057926
Hes comparing two situations over the same time frame so inflation is accounted for, dipshit

[Anonymous No.54058095]

Absolute state of /biz/

>3%

[Anonymous No.54058161]

>>54057985
>get 500k
>invest 300k
>repeat
Its really not that hard

[Anonymous No.54058319]

>>54056975
10 mill now, will buy a house, put 2 mill in the bank for 5% passive income, will buy like 5 mill worth of gold and use the rest for shitcoins/stocks

[Anonymous No.54058416]

I’d chose the latter. I don’t want the head ache of having to manage 10m. It’s hard enough managing 6 figures. and 500k per year is enough that I could actually forget money entirely and focus only on things in life that are meaningful

[Anonymous No.54058689]

>>54058161
Are you retarded?

[Anonymous No.54058724]

>>54056975
Tbh this is actually the smarter option for most people. I, of course, could completely handle 10 mil and not lose it all in a series of bad decisions over the course of 2 years. Nobody else could, but I could.

[Anonymous No.54060430]

>>54056975
>pick 10 mil today
>retire on 30th birthday
Why would I ever need more money than that?

[Anonymous No.54060460]

>>54056975
>people think they can't make 2% ROI a year.

Ten million today, easy.

[Anonymous No.54060491]

>>54058416
By the 30 year mark the money would be worth more like 200k a year. Which is still nice but it's not going to be 500k

This sort of thing is how kikes keep others from competing with them. They calculate with inflation in mind. Goyem don't.

[Anonymous No.54062337]

>>54057209

[Anonymous No.54062459]

>>54058095
>what is inflation?

[Anonymous No.54062525]

>>54056975
The $10mm is better because you can use that to buy a business or real estate that pays you far more than $500k /yr.

[Anonymous No.54062532]

>>54057012

Or put it in an S&P 500 fund and have $330 million after 30 years with the 10% annual growth the market has averaged for the last century.

You're better off taking the lump sum if you invest it. I could love very comfortably off the returns provided by $10 mil. Most normies would probably take the lump sum and blow through it all in 3-4 years, though.

[Anonymous No.54062598]

>>54056975
>ITT: retards don't know about NPV

[Anonymous No.54062763]

>>54057039
So DCA is a meme?

[Anonymous No.54062788]

>>54056975
Nice psychological trick to get people thinking about getting rich. Not buying your scam.

[Anonymous No.54062853]

>>54062763
DCA is for retards who get scared when the market drops 0.3%.

[Anonymous No.54062897]

>>54062763
none DCAs if they have a large sum to invest, DCA is investing parts of your paycheck no matter what

[Anonymous No.54062982]

>>54057039
>Assuming the next 30 years will be "normal times"

[Anonymous No.54063040]

>>54057185
dumbass, within 4 years you'd have enough to put it all in stocks and you continue to get ridiculous income every year.
10 million, yes. 2 million, no.
around 5 million i think it depends how savvy you are and your own life expectancy. think i'd still pick 5 million there, just throw 4 million in 80% safe and 20% risky stocks, maybe a million in btc for self custody because why the hell not who knows what can happen to the economy, and have 1 million to live the good life in a nice home immediately so that even if everything goes to shit you have a nice as fuck home.

[Anonymous No.54064132]

I would take 10mil today because I won't be alive for 30 more years