I'd get the lump sum, because I'm greedy. I want it all and I want it now.
I'd probaly put 2 million away, just in case I end up going too crazy and blowing it all on.. something like a Giant Statue of myself made out of gold.
I always fantasize about blowing very large sum of money on something you normaly wouldn't. Like leaving a 300 dollar tip at some small little Diner, or finding a webcomic or website that has a donate option, and donating 20,000 dollars.
Stull like that.
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