If I can invest the lump sum and get more in the long run, I'd get that. Otherwise, I'd get the annuity. I'm not sure that becoming extremely rich would make me very happy. It might change my personality, and I really wouldn't want that. I really don't want to become a rich asshole who doesn't care for others. I don't think that would happen, but who knows, money can have a bad effect on people.
But once I get my money, the first thing I would do is pay off my college tuition and give money to my parents to help pay their bills. Then I'd buy a new car, a laptop, and some parts for my computer. If I had money left over, I'd look into building an entertainment system and donating the rest of the money to various charities. Other than that, I don't see myself going on a wild spending spree or dropping out of school. I'd probably just keep living how I do now, except I'd buy more "little" things like books, games, etc. I'd still get a job when I got out of college. I don't want to be one of those people that win $100 million dollars and then spend it all away in a few years. How the hell do people do that?
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