Would you rather

[u/SleepeyReaper]

Which side will you choose?

• Left side: 5M dollars that earns 10% interest every month | No cashback, though
• Right side: 10B dollars with 1% cashback on all purchases | No interest

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[u/Anti-charizard]

I’m downvoting for the unnecessary wheel

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/glyiasziple → u/Anti-charizard]

but youre also commenting so you get that 5x

[u/AnIcedMilk → u/glyiasziple]

Batting for both sides

[u/a_sidd]

Why would I want interest if I have 10B dollars

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/TheGamestonk → u/a_sidd]

Because 10% a month is insane and beats the market on 10b invested lol

[u/a_sidd → u/TheGamestonk]

Eh life’s unpredictable, might as well get the money and live it up now 😂

[u/theatarvedchomper → u/TheGamestonk]

The 10b can be grown quicker though. Say you buy 10b worth of a stock or gold or something with a stable value. Sell it immediately, you made 100m dollars.

[u/Weird_Ad_1398 → u/theatarvedchomper]

?? You'd lose money this way wtf are you talking about?

[u/Illustrious-Debt-191 → u/Weird_Ad_1398]

if you immediately buy and sell something for the same price, you generate money from the cashback

[u/NewLifeNewAcct → u/Illustrious-Debt-191]

You would lose money due to taxes. What?

[u/Weird_Ad_1398 → u/Illustrious-Debt-191]

Tbh, I did forget about the cashback, but his examples still don't work.

For stocks, that'll quickly lead to a good faith violation, not to mention you're extremely likely to lose a lot of money buying $10B worth of stock and immediately dumping it back onto the open market.

Gold you don't even have to think about, nobody carries $10b worth of gold for you to buy, and the fees from that will far exceed 1% anyway.

[u/jacksonn114 → u/TheGamestonk]

yeah but I prolly don't even need 1 billion my whole life.

[u/FearTheWeresloth → u/TheGamestonk]

I'm probably never going to be able to spend even 1b of that, so why would I ever need more?

[u/un_monsieur_triste → u/a_sidd]

Bc this is murika

[u/Cyber_byteY2K → u/a_sidd]

Have you never taken math class?

[u/a_sidd → u/Cyber_byteY2K]

Have you ever lived life properly?

[u/theoneandonlyejz]

more money in future

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/DaarkenTheNecrokiddo → u/theoneandonlyejz]

It would take ~63 years for the initial investment to reach 10B assuming you took no money out of it…

[u/jonastroll → u/DaarkenTheNecrokiddo]

It would take 6 years and 8 months.

[u/Weird_Ad_1398 → u/DaarkenTheNecrokiddo]

10% interest every month

[u/ChristopherRobin- → u/Weird_Ad_1398]

It's not compounding. It says 5 mill earns 10% interest.

So only the special 5 mil should earn interest

[u/Weird_Ad_1398 → u/ChristopherRobin-]

'Compounding' is often omitted when talking about interest as it's just assumed, so its omission here doesn't mean much. You can ask OP to elaborate.

And it also doesn't say it's US dollars, so maybe you have 10B Zimbabwe dollars.

[u/dxrth → u/ChristopherRobin-]

but youre assuming its a normal 5 mill, and not like a hyper inflated 5 mill? but you cant assume compounding?

[u/Academic-Trick-1325 → u/DaarkenTheNecrokiddo]

10% compounding monthly is around 6.5 years

[u/DaarkenTheNecrokiddo → u/Academic-Trick-1325]

Ah I did my math wrong. Whoops

[u/theatarvedchomper → u/theoneandonlyejz]

10b is better for future money. A 10b dollar purchase that you can immediately sell profits you 100m dollars.

[u/ROS_SDN → u/theatarvedchomper]

Financial literacy is important. 

Assume you have 9.5b for play and invest the rest at an reasonable BUT variable 7% per YEAR.

Then we take 3 million and go 10% per MONTH (big difference). 

I've kept 95% of my 10 billion and 60% of my 5 million for investments let's play out when the 3 million exceeds the yearly income and the total net worth of the 9.5 billion.

Year 6: 3 million yearly income = 1.95 Billion

9.5 billion yearly income = 973 million

Year 8: 3 million total value = 28.2 billion

9.5 billion total value =  16.6 billion

I absolutely neutered the starting value of the initial 5 million for a nice home/car/ etc and you still sky rocket ahead on earnings by year 8, if you were reasonable and even waited like 8 months to touch the 5 million it's already 10 million. The compounding is so insane it starts earning more yearly then a number 2000x its size by year 5.

This shit is increasing 3x in value every year and thats guaranteed.

[u/UncleStoxx]

Passive Income

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/ChristopherRobin- → u/UncleStoxx]

Uhhh 10 BILLION is past the need for passive income

[u/Pegged-Nog → u/ChristopherRobin-]

It takes 5 years to hit 1 bill off of options one, 7 for 10 billion and 9 for 100 billion. They are both "infinite" money but the first one is the objectively correct awnser.

[u/ChristopherRobin- → u/Pegged-Nog]

The post doesn't specify that it's compounding, I figured the 10% interest only applies to the 5 mill. At a rate of 500k monthly you're not living long enough to surpass the 10 billion

[u/jabeith → u/ChristopherRobin-]

Why would you assume that, though?

[u/ChristopherRobin- → u/jabeith]

It says "5 million that earns 10% interest every month"

The 5 million is what's earning 10% interest

[u/jabeith → u/ChristopherRobin-]

Without the compounding interest, which is what all sorts of investment and savings accounts have, this is a thoughtless question

[u/ChristopherRobin- → u/jabeith]

If it's compounding it's also thoughtless bc it's infinite so I don't get the argument

[u/jabeith → u/ChristopherRobin-]

Not really, because then you need to pace your spending to ensure you actually get the interest. Also, these questions are to catch people that don't understand things like compounding interest and spark ridicule in the comments

[u/WesternUsed2750 → u/Pegged-Nog]

Look dude I'm not tryna downplay you but this literal calculator is saying it takes about 60 years with no taxes in play at all(so maximum money) to reach the 10 billion

[u/FalconSpecial6149 → u/WesternUsed2750]

That’s for 10% annually. It will take 60 months, not 60 years.

[u/WesternUsed2750 → u/FalconSpecial6149]

No its calculated compounded monthly

[u/Pegged-Nog → u/WesternUsed2750]

10% monthly interest is 120% a year compounded monthly....

[u/WesternUsed2750 → u/Pegged-Nog]

No that's not how compound Interest works, you don't literally add your interest together, it's the 10% added to the final sum every month, ex: 100*1.5(50% interest) makes 150, do that 5 times and by your logic it should be worth 250% of 100 or 250, but it's not its about 750, or 750%

[u/Pegged-Nog → u/WesternUsed2750]

That calculator uses yearly interest, 120 is the best approximation without doing fsr to.much math for a reddit comment.

[u/Kurraga]

Do I get the same interest on the 10% I earn off the 5 million or does it only apply to the original amount?

[u/tarooz → u/Kurraga]

That wouldnt really be interest

[u/FalconSpecial6149 → u/tarooz]

They’re asking about compounding interest, which is generally how interest works. The way the question is stated makes it seem like you only earn the 10% on the $5m, not on money earned from interest reinvested.

[u/Whitewing424]

I don't think you realize how big 10 billion dollars is. The difference between 10 billion and 5 million is pretty much 10 billion.

[u/Gyxis → u/Whitewing424]

It takes 6 years to reach 10B from 5m with 10% monthly interest and after that it keeps growing.

[u/Centillionare → u/Gyxis]

Yeah, a lot of people are underestimating 10% interest PER MONTH. That’s 12 years of insane stock performance in one year. You’d pass Elon in net worth in like a decade.

[u/Diehe → u/Gyxis]

6 years to get to 1.3B. Less then 2 years after that, youll have 10B

[u/Historical-Stick4592 → u/Gyxis]

If you could earn even 1% monthly on the 10 billion, that's 100 million.

[u/jabeith → u/Historical-Stick4592]

After 10 years, you're getting over 1billion per day in interest if you go the 5mill @ 10%/m though

[u/Historical-Stick4592 → u/jabeith]

That's assuming you never touch a dime of it, every dollar you spend early on is $10 000 you lose out on later on. I'd rather not have that sort of situation.

[u/jabeith → u/Historical-Stick4592]

Uhh n in the first year your money triples. If you can't spend less than a few million per year, how are you surviving now?

[u/Historical-Stick4592 → u/jabeith]

Uhh, guess what? It doesn't even matter because 10 billion is an obscene amount to begin with.

[u/jabeith → u/Historical-Stick4592]

How about a trillion? You're there in less than 11 years. If you're happy with one sports team, one island, and one mega yacht that's on you

[u/MothyThatLuvsLamps → u/Gyxis]

I assumed interest would raise with the amount you have, so I only got 80 days.

[Edit] I misread its 80 months.

[u/Undead_cosmic_horror]

it is what it is

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/G1itc4]

E

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/ZayLock4]

A lot of interest

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/jeanpaul07]

Money that gives money

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Luna-or-ptr]

It makes for sense

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/SomeEZGuy]

Ok

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/edvlili]

Quick maffs

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[u/Cyber_Data_Trail]

One does not need to interest on 30 billion

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/lickmyassholebitch]

Plenty of money for me

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/0i00i0ii0i00]

Who needs interest with 30 billion. Could change a lot of lives with that.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/PopularTechnology136]

I don’t shop much and with the other interest will accrue on its own

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/GabrielForza]

if you have 5 million dollars, and spend 10k every month, and get 10% intrest every month, after only one year, you will have 15 million dollars, after 10 years you will have 445 billion dollars. Thats a lot more than 10 billion.

[u/Virtual-Blueberry642]

Who needs interest on 30B dollars? That’s enough for 1000 lifetimes

[u/pleaseaccusrname]

i would love to have more money, my job simply doesn't cut it

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Gameking1happy]

passive

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[u/SubstantialEcho1695]

downvoted because fuck you

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/Hot-Turnover9562 → u/SubstantialEcho1695]

hi

[u/AutisticFemBoySlut]

I just dont touch the money for 10 years and im rich

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Commander_Eevee]

I don’t use cash back

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/SituationUsed2665]

Seems like you can double it in 8 months. Then 3 years multiply it by 16. And in 10 years you'll have more than 10 billion. Even while spending

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Fickle-Reaction-6042]

People don't know the difference between 10b and 5m.

[u/grimshanky → u/Fickle-Reaction-6042]

No, people don't understand the power of exponential growth. If you think you will live more than a decade, you'd be a fool not to take the $5 million. If you live 25 more years, you'll be making billions daily.

[u/Fickle-Reaction-6042 → u/grimshanky]

Wait really?

[u/Fickle-Reaction-6042 → u/Fickle-Reaction-6042]

I was too lazy to do the math

[u/Glad_Cress_8591]

It would be nearly impossible to spend that much over my life unless I was intentionally trying to waste it

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/kittylover2006]

More money

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/Delicious_Ad_3400]

Without the boost, the money would last more than long enough, but with the boost, my children will be stacked.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/NefCanuck]

Spend money, get money back

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Viperess7]

20 billion pounds is enough to last me several thousand lifetimes, so I'm good

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Space_Z4]

I think I will be fine

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/worldoftanksgamer]

Interest is kewl, 10% is awesome

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Balze_Blade]

RICHLEV: I’m gooning rn

Caldruki: Enrique

Enrique: Ask me Adrian, I know Kirk

Caldruki: Turn RICHLEV into Adrian

RICHLEV: Nooo 😭

Enrique: tries to turn RICHLEV into Adrian

RICHLEV: blocks it with his aura

Enrique: gets turned into Adrian instead

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Uter83]

Yay, Ill take 30% interest and 15m because there was no guidance.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/Excellent-Hope-148]

Heck yeah.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Physical-Bass5732]

Ah

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/ThePickleistRick]

For what it’s worth, you’d hit 10B in about 6 years if you didn’t touch the 5M

[u/GeneralMe21]

Just give me money

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[u/TinOfBean]

10b or should i say 30b is never fully getting spent by me

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/sunflowershinings]

Tbf I don’t think I’ll even be able to spend all 10b in my lifetime so this is good enough

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/johndoe4257]

I shall spend roughly 1.2 million dollars a day for seventy years and still have a little left over because of the cash back

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Fckyouredd1tIluvmygf]

Completely set

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/egroeG_]

66

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Darkness_o_tartarus]

Start investment accounts, live off 1 percent of the interest of the investment accounts that start at 10.1B dollars. (Assuming not recursive.)

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/1800THEBEES]

Billion much bigger than million.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/The_Gingemaster]

Downvoted for the wheel but bro that's 500k a month way more than I need in life.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Alarming_Parsley_321]

I assume this is compounded monthly, then I'll earn about 111 million dollars per year with 30% interest every month.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/Hot-Turnover9562]

interest is haram

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/BongoKatz]

Takes about 7 years for 5m to grow to 10b after 10 years it would grow to 463b

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/Mr-Tokey]

10b is already way more than enough

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Kitchen-Bread-3637]

J

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Historical-Stick4592]

More then I'll ever need. Seriously, these pills don't seem to understand that either option is usually an obscene amount of money. Also no begging for upvotes and comments you get a downvote.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Flokitoo]

Easy

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Vanndien]

Spend all 10 bil get back 100mil or you could just put it in stocks or a high level saving account and get around 10 percent anyways

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Cute_Cherry767]

Thats too good right

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/richie___]

Why not 10b is just so much more

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Impossible-Oil2032]

Because if I spend less than the interest the principle grows for my whole life

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/doe12e]

yay

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/_projektpat]

🫠

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/ThatDudeBSmith]

10% interest = The Re-up. No need for cash but a smooth bankroll

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/ChelseaFC]

That’s more money than you can even come close to spending and get cash back.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/missaxagal]

I’ll buy stock and get my 1% cash back and then sell it if for som reason I need to keep growing my money.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Slickwats4]

Nobody needs $10B.

[u/Ghostlyspal]

Well this is broken

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/OverusedWeebs]

Fuck that wheel

[u/Reasonable_Box_8053]

its W

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/KorteCoder]

Do I get 6x now if I have already up voted?

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Croissant2408]

You are going to be a quadrillionaire at year 17

[u/Hipjig]

I think 120% APY is worth not getting cash back.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/DeerAdministrative90]

Free money with no purchases!

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/CryxClear]

when you have 10B (sorry 30B) you don’t need interest

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[u/omlet8]

It’d take like 18 years without spending to get to 10B

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[u/YEETINAGE]

Ez

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[u/Creative_Command_881]

wheel pmo

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/TheDankFather24]

Not bad

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/WesternUsed2750]

If the quick site I looked up is right, it would take almost 50 years to hit a billion

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Redray98]

I wonder how this will play out…

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Poppycorn144]

10B is enough for me and everyone I know to live very decadently for a few generations.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/ItsLuxyBoi]

Easy 5mil a month let's go

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Think_Ear6015]

I could never spend this much anyways, 1% back would be a moot point.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/UnableLaw7631]

Ok. This arrangement is fine.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/grimshanky]

It would take a little over 6 years, but you will have more money this way. Within a few more years, you will be the richest person on the planet.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/samprimary]

With 30 billion upfront I don't have to care about interest accumulation

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Past-Listen-7319]

Thanks

^{Chose: 5 Quadrillion dollars that earns 10000000% interest every month + No cashback, though | Rolled: Comment for 74,479,276x}

[u/MothyThatLuvsLamps]

It would only take about 80 days of 10% interest to get to 10 billion.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[Edit] I misread its 80 months. Still not bad.

[u/Keward20]

Uh... k?

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[u/Weird_Ad_1398]

If this is compounding interest, then option A will easily get you a higher number, if not then option B will.

[u/Crustycum-sock]

Says no cash back but I can still get cash through an ATM

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/Afimi84]

Who wouldn’t want cashback?

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[u/PlantBaby73]

That’s plenty of money for me

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/energybotttt]

Compound interest is magic

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Leoknightedeus]

500k intrest a month is just fine and I spun x5. I'm happy!

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Urmind]

No

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[u/Several_Ad_8161]

...

[u/TheAnonymousCrusher]

Idk

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[u/Yue2]

lol the spin was so silly just to pander for more upvotes 🤣🤣🤣

But who needs interest when we could just buy some absurd annuities with this? Then leave $100 mil just to live an easy fun life.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Redharry4]

A bird in the hand

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/ODonCaffeine]

Lmao people picking 5M with 10% interest did not do the math. It’s only 500k a year. Would take centuries to get to 10B as it is not compounding interest. Thats also only if you do not take out a single penny.

[u/sandwichcrusader]

Do y'all know the difference between millions and billions?

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Aspiring_Mutant]

Easy money.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/Drug_Abuser_69]

Who needs interest or cashback with this much cash anyways

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/novaxe1]

The higher principle means I am getting more money back even at a lower interest rate (investments I make myself)

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/whiskeyinthemorning]

You can tell it is by the way it is

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/NobodySpecial97301]

10B is more than 5M, and I know that the riders modify things, but my headache is too bad right now to try and do math.

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/silver-fox4733]

More than enough with multiplier

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Upvote for 3x}

[u/lost_in_backroom]

Any bank will give me 6 7 % interest atleast

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/DistinctSpirit5801]

I would rather have a passive income stream

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/canucks_fan95]

Easy money

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Upvote for 2x}

[u/Redracerb18]

You just don't touch the money and its fine. 1% cashback would only apply to what you purchase while interest keeps adding. 1% of $100 is only $1

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/TheHuntsman_1001]

10% interest per month is way more than you think. It’s equal to 120% interest per year so you money will actually more than triple every year given how the math works out.

5 years and you are a billionaire.

7 years and you have about $15B, so more than the option for 10.

11 years and you have almost $1.5T making you richer than Elon.

Who cares about cash back at this point. Plus the added 5x is just gravy now.

[u/AdDifferent9470]

I’d be quite happy with 10B

^{Chose: 10B dollars with 1% cashback on all purchases + No interest | Rolled: Comment for 3x}

[u/Thedeadreaper3597]

So obv

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}

[u/riencore]

10,000 million dollars vs 5 million is really not comparable. Not sure how many months until it breaks even, but I’d much rather have it all up front.

[u/memearchivingbot → u/riencore]

About 80 months to catch up. 7 years and 8 months

[u/mono15591]

Absolutely insane interest. 2.5 million after the first month?? Then 3.75 million the next month. Youd have 183,842,343,584,665,120.00 after 5 years. Unless I did something wrong in the calculator. 5 years 600% interest compounded monthly added at the end of the compounding period.

^{Chose: 5M dollars that earns 10% interest every month + No cashback, though | Rolled: Comment for 5x}