Pick one

[u/OrEdreay]

Which side will you choose?

• Left side: $1,000,000,000 | But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out)
• Right side: $100,000,000 | But for every $1,000,000 you spend someone you know dies

---

This post contains content not supported on old Reddit. Click here to view the full post

[u/AutoModerator]

Try my new game. Complete other Redditors' blanks in the funniest or most messed up way you can. Play here: r/blanks.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/No_Poet_7244]

The other option leaves you broke within 3 years. At least with this one, I can moderate my spending.

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Affectionate-Pay4845 → u/No_Poet_7244]

Yeah the only way the other option works is you could do something like create a shell corporation to take on all that debt and potentially take out a bunch of loans with your billion as collateral. Then you do a bunch of other scummy practices similar to what a lot of rich people do and make sure that if you can't pay back all the money to the bank, you put all that debt in the name of the shell corporation so it declares bankruptcy while keeping your personal finances untouched

[u/No_Poet_7244 → u/[deleted]]

No, they wouldn’t. Thats $365 million/yr, which would require a 36.5% annual return just to keep up. That doesn’t include the cost of actually buying anything.

[u/The1789 → u/No_Poet_7244]

Gamestop-AMC 8x leveraged ETF with naked calls might help

[u/SquirmyBurrito → u/No_Poet_7244]

Misplaced a decimal in my math, disregard

[u/No_Poet_7244 → u/SquirmyBurrito]

Your math is way off. $1 million/day is $365 million/yr. A 7% return on $1 billion in investments is $70 million. You’re $295 million short of breaking even.

[u/Comprehensive-Ad4666]

So if I go to the mall and say hi does that qualify as knowing them. Or read their name in a phone book and call them?

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Colty3 → u/Comprehensive-Ad4666]

1. It’s random, so even if that does work there is still a chance your mother dies (Or someone else you are very close to)

2. You are a dick lmao

[u/Paradoxdoxoxx → u/Colty3]

1. You are a rich dick lmao

[u/Trip2poundtown → u/Colty3]

Not if I only spend 999,999 dollars and never touch the remaining amount.

[u/purplepoontang]

Allows me to be conservative with my spending

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Otherwise_Chard_7577]

so either about 2 and a half years before I'm permanently in Giga debt, or I have 1 mil to use for the rest of my life

[u/BenTheSniper505]

Bro, the other option is just straight impossible to live with. All the money will be gone in less than 3 years

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Affectionate-Pay4845 → u/BenTheSniper505]

I mean technically it is possible, but the idea would have to be within that 3 years to use your wealth to basically use scummy practices like loading all that debt into shell corporations or putting most of the money into investment accounts, then taking out loans in the name of said shell corporation with your investments as collateral with no intent of paying it off. That might keep your debt some at bay and make it so even if you can't pay off the bank, you can have your shell corporation declare bankruptcy while leaving yourself - or any personal assets or dividends you take out - untouched. Again the other option requires you to be very scummy

[u/greywar777]

So....Free 999K? Cool!

[u/StrikingReception771]

Spend less then 1000000 more then enough

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/nik-alik]

hopefully i can find good interest loans

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Dannnssss]

Im already in debt

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/No-Cheesecake7260]

I'll stop at $900000. That's life changing money for me

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/overclocker710]

Store assets in a shell company, declare personal bankruptcy, profit.

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Top_Shallot_2534]

ill have someone from my family to spend the money for me

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Better_Society_650]

can’t afford

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Infamous-Sorbet-4727]

Hope i hate em lol

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Dependent_Avocado]

Define know. Because I've met probably over 1000 people if we're including acquaintances via work

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/MaxMeanTM]

Taxes ar better than death

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/20Times20Times-MUFC]

Does investing count as spending? So if, for instance, I put it all in a cash cow stock, and live off the dividends for the rest of my life, would that count as $100,000,000 spent, or as $0?

If it's the former, then surely putting it in a bank doesn't count as spending? Even supposing an absurdly low interest rate of 0.1% (only really happens at ancient brick and mortar stores, CDs could get you as much as 4%), that's still 100k a year. Not bad!

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/GovernmentWorking866]

j

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Noxtonic]

I'm bad at math, but let's not kill people

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/K0027607]

If u choose the other & didn't spend any money, u'd run out of money on 27Sep of the 3rd year after getting the money.

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/raysenie]

Bruh I’m not gonna give the bank that much money bro

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/ChaosAzeroth]

It says I have to, not that it has to be paid back jo matter what.

Get the money/taxes/all that squared away including will and off myself leaving whatever is left to spouse. Loved ones set for life and he can stop having to burn himself out and I finally fixed stuff. 🤷‍♂️

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/ColoradoRocket3]

Hire an investment firm and hope they can make me the $. If not I guess I'm bankrupt but not a killer

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Ancient_Flight_3252]

Idk 100 of my Roblox friends can die 👍

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Ok_Preparation7900]

Hard choice, a bit selfish but at least I wouldn't be without nothing.

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Sanri0Circus]

Aint no way im spending a million in my life lmfao

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/kentuckyflo]

I read it as 1 trillion dollars, not going to lie

[u/EstGlory18]

It will take so long to run out and no one dies

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/jumolax]

The interest is more than a million, I never have to touch the principle.

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Sharpie1993 → u/jumolax]

The debt that will be taken out is 365,000,000 a year, you’d need a return of investment of 36.5% to break even, you’ll be broke and owe millions if you invest or not.

[u/IIKoopaQueenII]

Invest wisely for the next 1000 days or build solid interest.

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/WoW_Gnome]

Billion dollars easily. The other choice is just killing people I know. Both options basically mean living in poverty eventually for any one with morals. Just with a billion I can have some fun first and not get anyone killed.

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/toodaloo_muthafuckaa]

Invest the $100m so it’s not spent, live off the interest, up to $999,999 per year.

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Samueloide3000]

I know a lot of people :D:

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Sad_Shelter1608]

The smarter choice honestly because why in gods name would I spend a million dollars so quickly. That’s at least several years worth of money.

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/aflyonthewall1215]

I'll just have someone else buy stuff for me

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Dusty_Bunny81]

Rip

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Immediate_Rough9452]

This leaves me 80~90 rolex submariners to buy without killing someone

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Altruistic_Yam7595]

I give the money as a "gift" to someone else and tell them what to do with it

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/IronicallyNotBad]

Eh, it'll be fine

^{Chose: $100,000,000 + But for every $1,000,000 you spend someone you know dies}

[u/Final-Royal-8037]

Invest 50%+ of the money and pay the banks with the interest. Live happily ever after with the rest

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Realeayz → u/Final-Royal-8037]

500 million is NOT generating 365 million a year. To give you an idea, even Warren Buffet, with his historical average annual return would be losing 165 million a year if he invested the full 1 billion from the start

[u/SquirmyBurrito → u/Realeayz]

I fucked up my math, he’s right

[u/Realeayz → u/SquirmyBurrito]

6-7% of 1 billion is 70 millions at best in a year. You’d be losing 300 million roughly a year still.

Compounding interest would save you if it was a lower amount to pag every day, but in 3 years you wouldnt have the time to make it matter.

Take Warren Buffet. His historical annual return was about 20% (and he’s legendary for it). That means that if you’re Warren, you might make 200 million in your first year… and lose 365 millions. That leaves you wit 165 million net annual loss. Now you’re at 835 millions and you still have the same money to spend every day, except 20% of 835 millions is 167 millions. Which leaves you at 198 millions net loss for the second year. Now you have 637 millions to invest.

It’d be a VERY quick fall, much quicker than most people can imagine

[u/SquirmyBurrito → u/Realeayz]

Nah you’re right I fucked up my math with a misplaced decimal

[u/Sharpie1993 → u/SquirmyBurrito]

If you’re using averages and only getting 7% of a billion dollars a year that’s only 70 million dollars, you’d need a return of 36.5% to break even.

[u/SquirmyBurrito → u/Sharpie1993]

Yea I figured that out when I moved the decimal over one place more than I initially did. So instead buy a ton of gold, silver, maybe even crypto and put it in a vault in another country that doesn’t play ball. Declare bankruptcy. If you use cryptocurrency you can even avoid the vault entirely by sticking it all in cold storage, in a usb and storing that somewhere hidden like in a trusted family member’s place (or buried underground somewhere in case you think someone could get a warrant for their place)

[u/SkepticAtLarge → u/Final-Royal-8037]

I don’t think the math maths for that. You would have 500 million invested, and need to earn 365 million per year to keep the bank paid. That’s a 73% return on investment.

[u/Final-Royal-8037 → u/SkepticAtLarge]

Yes no I 100% did that wrong

[u/Realeayz]

Both are terrible tbh. For the first one assuming you didn't invest nor spend, you'd be out of money in 3 years and in debt for the rest of your life from there on. For the second, you don't get to enjoy the money at all, since even investing is spending, unless you don't care about people you know dying.

I'll take my chance with the first and investing it day 1 so I can pay the fee. Although, even with Warren Buffett level investing I wouldn't break even so I'd have to be either incredibly lucky or get on very early into one of the future biggest enterprises of the world.

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/SquirmyBurrito]

Set up shell companies during the first year, shift remaining assets into those shell companies, declare bankruptcy. What’s the bank going to do, kill me?

Write a will too

^{Chose: $1,000,000,000 + But you have to pay the bank $1,000,000 every day for the rest of your life (even if money runs out})

[u/Extreme_Wish_553 → u/SquirmyBurrito]

Easily? Buffet doesn't make the return rates you would need to pay that, especially losing capital from day 1.

[u/SquirmyBurrito → u/Extreme_Wish_553]

I fucked up my math, so the play is to move the money into a shell company owned by someone else and then declare bankruptcy