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I'd take the lump sum. There are things on my list that I'd rather have *right now*, like:
- A nice house somewhere pleasant, with a nice roof I can put some couches on and have a barbecue.
- A badass telescope, also on said roof.
- All the "L" lenses my camera can stand.
- A nice car
- Some premium-quality musical instruments, and lessons for using them well
- A comfortable life for all my family
When it comes down to it, I doubt I'll be able to just sit there and not work. I'd start a business of some sort, which will be very viable considering I can invest decent sums into it, and will hopefully leave me with a very comfortable life long after the lump sum has been squandered on the material things.
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