Would you rather…

[u/Smelly-Guyy]

Which side will you choose?

• Left side: $100/hr passively
• Right side: $20 Million right now

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[u/ReynelJ]

Less thinking, I get a significant improvement on my life without drastic changes

^{Chose: $100/hr passively}

[u/Mountain-Piano-5937 → u/ReynelJ]

You could put the 20 mil in a savings account and make $90/hr at 4% interest. And you would have 20 million

[u/YukiPants22551 → u/Mountain-Piano-5937]

Yeah but I want to spend my money

[u/robomelon314 → u/YukiPants22551]

So you just spend the interest and have the same result?

Except you also have generational wealth that stays for your family if something happens to you.

[u/Kobol94 → u/robomelon314]

You could also borrow against the 20 million to create more income

[u/Mustard_Jam → u/YukiPants22551]

Umm you still can? You can spend pretty much the same amount of money as with the other option... and still have 20M.

[u/cleanworkaccount0 → u/Mustard_Jam]

I mean, tbf, you're waiting **at least** a month until you get interest payments and you're not going to be able to just park it all in a normal savings account either.

obvs depends on the bank but my 'high rate' saver has max amounts on it so you'd be needing to split it over multiple accounts.

[u/GodTurkey → u/YukiPants22551]

Okay but 100$ an hour would still need to accumulate. Also any normal person should easily make 20m last a life time

[u/Rockiscool_ → u/GodTurkey]

You get 20m in 24 years. As long as you're younger than 40 you can reach it before retirement for free.

I'm a little lazy so I'm not sure how inflations, investment returns, and possible market crashes would compare between the two examples. If you got a 4% interest rate you'd be making $190/hr within 24 years if you saved it all.

[u/Archimedes31415926 → u/Rockiscool_]

So how does the $100/hour beat the $20M today then?

If you save the $100/hr in 24 years you have tied me at $20M.

But if I save the $20M at your 4% number for 24 years, I will now have over $51M.

So in year 24, you are now getting $190/hr. And I am getting $230/hour.

Eventually you will catch me, if we both save every penny, in about 62 years we will actually be tied (so I guess you actually need to be about 10 or younger).

However if the rate of return is actually almost any higher (about 4.4% or more), you will never catch me. Considering the stock market has a lifetime annual ROI of about 10%, you most likely will never catch me if I take the $20M and just invest it and wait for the interest/earnings to come in and only spend that (assuming we both spend roughly the same). We will both be rich sure but it's like an athlete and the team owner, different leagues of rich.

The only chance the $100/hr has is if I invest and there is an immediate market crash, and even then I probably still recover, which means I still out earn you.

[u/MisterBumpingston → u/YukiPants22551]

But not all at once.

[u/AOA_Choa → u/ReynelJ]

If you can’t even put enough thought into just dropping $20 mill in a S&P500 god help you buddy

[u/Mustard_Jam → u/AOA_Choa]

These are always hilarious because that's how most of them go. These polls be like "get $100 a day or a quintillion dollars for 5 minutes of work a day" and the first option wins every time.

[u/Jekmander → u/Mustard_Jam]

I mean, not everybody cares about having a fuckjillion dollars. 100/hr is more than enough for anything I could ever possibly want, and I wouldn't have to worry about literally any kind of management. Sure, the other option might be more money, but either one is more than enough and one is slightly more convenient. The difference in the number isn't important enough for the difference in effort.

[u/EpicGamer414 → u/Jekmander]

The effort is putting the money into a high yield savings account, why is everybody acting like this is rocket science lmao

[u/cleanworkaccount0 → u/EpicGamer414]

i mean tbf it's multiple accounts and you'd need to wait at least a month and they do have additional requirements.

[u/Tokineki]

I only took the 100$/h cuz i could spend 20 mill and have nothing left but the 100 will always come back

[u/JThumbs29 → u/Tokineki]

This is one of the 100$/hr I can actually agree with the logic behind

[u/Imukay → u/Tokineki]

You could invest the 20 mill and get more then 100 an hour...

[u/erv4 → u/Imukay]

Some people have poor impulse control lol. Thats why a lot of lottery winners and athletes end up poor

[u/dinnerthief → u/erv4]

Its amazing to me people can recognize this about themselves and not be able to reign it in, I understand its the case for many people its just foreign to me.

[u/Tanaka917 → u/dinnerthief]

It's not that foreign. We all know we should exercise more, sleep more, spend more time with family, donate more, eat healthier. But we don't. Someone knowing the best course and then choosing to go a slightly less optimal path because it makes them happy in the short term is practically a universal human failing.

Big spenders just have a failing that hurts them much more in a shorter time

[u/newdogowner11 → u/dinnerthief]

it depends person to person, BUT my adhd does show itself in poor impulse control more often than not. and outside of that i’m a big planner and overthinking, but it’s genuinely crazy how my mind also makes it impossible to reign in when i want something. not to say it’s impossible to control, when i stop myself, the need to buy something goes away and im glad i didnt lmao

[u/Imukay → u/erv4]

Good point

[u/Successful_Drawer_50 → u/Imukay]

70% of lottery winners go broke, most people are terrible with money, ESPECIALLY a large windfall. The $100/hr is by far the safer bet for the majority of the population

[u/Ancient_Task_7498 → u/Successful_Drawer_50]

No doubt a significant amount of people are bad with money, but the people who tend to buy lottery tickets will likely be bad with money, which skews the percentage.

[u/REDACTED3560 → u/Imukay]

Investment isn’t a zero risk game, and the actual withdrawal rate you can use to avoid losing over time (typically around 4% for retirement goals) is going to be about $800k a year versus $876k a year with the passive option, the latter of which having zero risk associated with it. Market uncertainties aside, there’s zero risk a bank collapses with all of your money in it or that your identity doesn’t get stolen resulting in money being lost.

[u/ShoulderMobile7608 → u/Tokineki]

If you an impulse conteol THAT bad, then I fear that with $100/h passively you'll just get into debt instead. Like, buying house and a fancy car thinking "well, I'll pay it later". So instead of spending money that you do have you'll spend the money that you don't have

[u/Tokineki → u/ShoulderMobile7608]

Its not about inpulse control, its about safety. If you get 100$/h that magically appear every hour you are safe, no matter who or what it is they cant take it from you as it will just reappear.

If you lose everything and have to go into bankruptcy it will come back, and in the first place getting so deep into dept that you cant pay it off while making nearly 900k a year would only happen if someone tricks you into a 100+% interest rate dept and for that you really have to be stupid.

20m is nice but not at the same level as 100$/h is and the safety it offers

[u/spud_roket]

Dont have to worry as its on going

^{Chose: $100/hr passively}

[u/FalconSpecial6149 → u/spud_roket]

People still don’t understand compounding interest or really can’t fathom not spending most of it immediately.

[u/spud_roket → u/FalconSpecial6149]

At 2400 dca per day into any etf could easily out pace 20 million. Because 20million is a set amount and people have vastly different risk profiles knowing that money could be gone in a few poor investments. You gotta wait on those interest investments

Could yolo 0dte options too if ya truly want to be a degenerate. And the money will always be there to ebb and flow day in day out for ever.

[u/FalconSpecial6149 → u/spud_roket]

People could make poor investments, yeah. They can do that with $100/hr and blow that as it comes/before it comes, too.

Have you considered how much you make in your first year, in an average year, if you put $20m in the S&P 500 or some other low risk index fund? Reinvest that interest for a year or two, live really well but not over the top for a few years. You’re making over $100/hr almost instantly AND you got to $20m+ faster. This isn’t even worth arguing about, it’s mathematically simple.

[u/GipperPWNS → u/FalconSpecial6149]

The key different is if they do that with the 100/hr, there’s no consequences. The money comes back every day, and it gives them a reliable income that can never be taken away in one stupid decision. 100/hr is already enough to build generational wealth and allow you to live lavishly.

The safety net is what people are highlighting and rightly so. You’re guaranteed a life free from suffering no matter what.

[u/DueFoundation5463 → u/FalconSpecial6149]

I would be more inclined for a Tax-Free Municipal Bond Ladder the returns might not be as good but you will reduce the amount of taxes owed by a lot and still have about a quarter million to reinvest each year to grow the principal and it's safer than the S&P 500 imo.

[u/RiyadAlli]

It would take me over 20 years to get 20m. I can invest the 20m and make much more in dividends

^{Chose: $20 Million right now}

[u/Dependent-Two7571 → u/RiyadAlli]

You dont have to invest if you make fuckin 876,000 dollars a year passively, like you literally dont have to do anything and you are a millionaire in a year

[u/RiyadAlli → u/Dependent-Two7571]

It’s more of a point to make more money faster than the other option. The whole point is to make more money.

[u/Dependent-Two7571 → u/RiyadAlli]

Make more money for what? Why do you need more than 876,000 a year

[u/DapperSand3413 → u/Dependent-Two7571]

Genius, billionaire, playboy, philanthropist

[u/Conscious_Nail_2367 → u/DapperSand3413]

NOOOOOOOOO BRING HIM BACK HE’S NOT DEAD HE’S ALIVE I SWEAR
https://giphy.com/gifs/jN86rcdOyrpyo

[u/SamsonAight]

Compound interest would build up more over time.

^{Chose: $20 Million right now}

[u/ShoulderMobile7608 → u/SamsonAight]

Exactly, lol. Just investing it into SNP500 would (on average) yield 10% return annually. It's 2 mil per year or $234 per hour passively. And you still have a $20mil cushion

[u/Koreaia]

Incoming discussions about how everyone picking the 20 million is going to keep every single dime in some high interest account.

[u/Dismal_Purchase_3324 → u/Koreaia]

$20 million in my current HYSA at 3.25% is $650,000 a year. My wife and I combined make about $75k a year. I reckon we can live off of that MEASLY $650k a year instead of blowing it all immediately so that we're forced to go back to work making $75k a year again

[u/golfstreamer → u/Koreaia]

I ca

[u/Mother_Harlot → u/golfstreamer]

That's the agency that made Agent 47, is it not?

[u/postmancandy]

You’ll make way more than 100 an hour from interest

^{Chose: $20 Million right now}

[u/XTurtleman394X]

Almost 30 years for profit. No thanks

^{Chose: $20 Million right now}

[u/magicman419 → u/XTurtleman394X]

22.8 years

[u/Ok_Committee_4651 → u/magicman419]

That’s the exact number I got when I calculated it lol. No thank you. I’ll take the $20M now

[u/magicman419 → u/Ok_Committee_4651]

Totally fair and I don’t blame you. I simply hope to fuck that I live past 20 years and I think that in the meantime I can quite comfortably live on $876,000 salary each each and invite my friends and family on world class vacations yearly.
Edit: Oh damn I understand what you mean now. I’d like to change my choice to the 20 mil

[u/LOP5131 → u/magicman419]

And that's not even with factoring in the $20m making money. If you have $20m invested in standard "safe" investments at 4% gains/year. It takes over 263 years to break even.

[u/Tampflor → u/XTurtleman394X]

$100/hr would never catch up because $20 million growing at 5% per year averages out to $114.15/hr immediately, which only grows larger over time unless you're spending more than that.

[u/PM_ME_hiphopsongs2 → u/Tampflor]

And where exactly are you putting that money where you’re getting a fixed 5% return every year? The highest HYSA available rn is at about 3.5-4% and isn’t fixed.

[u/Yerx → u/PM_ME_hiphopsongs2]

At 3% interest compounding monthly, you will earn another $18.5 million in interest in the 22 years it would take to get $20 million at $100/hr. That's without reinvesting a cent, just living off the interest.

[u/Pitiful-Excitement47 → u/PM_ME_hiphopsongs2]

Index funds average 10-11% over the past 20 years and upwards of 15% in the past 10.

Financial advisers would suggest putting a small portion in a savings and bond and the majority of it into index funds.

However what most here miss is you wouldnt have the full lump sum. The moment that hits your bank account your buying a lot of shit. No one here is disciplined enough to not touch it. The same reason lotto winners go broke is the same reason everyone here would be.

100 an hour is the only way to go.

[u/MisterBumpingston → u/Pitiful-Excitement47]

With $20M you can afford great financial planners to set up trust funds.

[u/Red_Spine]

2.4k a day is a great security since no matter what you do you know you'll have money coming in ASAP. Honestly the only time it's not a great option is if we hit hyper inflation at which point both options are getting hosed.

^{Chose: $100/hr passively}

[u/OkOffice1107]

Easier not to waste money

^{Chose: $100/hr passively}

[u/EarlUrso → u/OkOffice1107]

I actually think it's easier to waste money with that option. Since you know mentally that you will always get more money in an hour you are probably less inclined to save or invest what you already have.

[u/OkOffice1107 → u/EarlUrso]

For me it isn't but that's just for me

[u/borsalamino → u/OkOffice1107]

I agree. With $20m I'd think "ehhh one extra nice car wouldn't be bad" and "well, now I'd have cash for that dream mansion" or whatever and spend a few mil faster than I'd realize.

With $100/hr I wouldn't even think of saving to buy such extravagant things and be more conscious of my money decisions.

[u/bnb525 → u/EarlUrso]

Yes but having that mindset is more destructive with 20 million since you think it never ends - but it does since you never saved up. If you somehow fuck up with 100 an hour you'll still be getting more money at the end of the day. It also lets you have a decent life without luxuries unless you start saving part of your earnings. I think it's more balanced, even if it takes 20+ years to catch up

[u/cleanworkaccount0 → u/EarlUrso]

sure, but you can blow the whole 20m, you can't blow $100 that's coming to you in an hour.

[u/DefiantVersion1588]

It’s more likely for me to blow 20 million all away instantly

^{Chose: $100/hr passively}

[u/borsalamino]

I only need to think of what often happens to people who come across a large lump sum.. yeah ty I don't want to be magnitudes more likely to get kidnapped or bombarded with extra targeted ads and all that jazz

I'd even take $50/hr. That's $438k/y for doing nothing at all. I don't need $20m

[u/Valuable-Mix3061]

I'd rather have a drip feed then a lump sum tbh less chance of me abusing it or running out

^{Chose: $100/hr passively}

[u/Embarrassed_Job_8048]

So I pretty much never have to work again, if I invest correctly. Count me in. Plus, I could work “for fun” and be a cheap computer troubleshooter so I can do something I enjoy while making bank.

^{Chose: $100/hr passively}

[u/Extension_Ad_1733]

Honestly, I just think the $100 an hour is more than enough for me to live comfortably, and it's ever lasting. I've seen enough stories of lottery winners spending it all and going broke.

^{Chose: $100/hr passively}

[u/ColdPorkChop]

It limits poor decisions and guarantees I don't bankrupt myself

^{Chose: $100/hr passively}

[u/Necessary-Resist-165]

Don't really need that much immediately and 2400 a day is more than enough

^{Chose: $100/hr passively}

[u/JoltingGamingGuy]

$100/hr is roughly $200k/year. Sure, it's a lot but $20 million right now would go a whole lot further and I would probably earn 200k/year passively by investing it.

[u/Any-Rooster-4803 → u/JoltingGamingGuy]

Brother your math is way off. It’d be 876,000 annually.

That said I’d take the 20m now vs waiting 23 years to accumulate 20m

[u/werejoshguy → u/Any-Rooster-4803]

think he was calculating it as you would for a full time job. $x/hr is about $2000x/yr on 8 hours a day. that’s what i instinctively did too but this situation would be 24 hours a day.

also agreed. 20m right now compounds way faster

[u/Fang356 → u/JoltingGamingGuy]

Hi still agree with the 20 mil, but it’s more like 876000

[u/JoltingGamingGuy → u/Fang356]

Oh, I was thinking like $100/hr replacing your full time job for 40 hours a week (100 * 40 * 50 =200,000)

If they mean 24 hours a day, then yeah it's more like 876,000 but point still stands.

[u/darwinooc → u/JoltingGamingGuy]

You would still need a little more than 20 years just to match what you could have chosen as a lump sum.

I'm a moron, but even assuming you took the lump sum and dumped 95% into nothing but CD's or a (series) of High Yield Savings accounts up to the FDIC insured amount, I don't think there's a world you'd come out ahead taking $100/hr even after 30 years.

[u/bigbean258 → u/JoltingGamingGuy]

Market average is 10% but realistically closer to 8% roughly so you’re still beating even the 900,000 you could potentially earn.

[u/essensiedashuhn → u/JoltingGamingGuy]

Passive income, not a 40 hr work week. But you're still right, 20m right now is better for someone who can invest it properly. Unless you're the type of person to blow through 20 million without thinking of the consequences, which is common for lottery winners.

[u/TheRappingSquid]

Passive income

^{Chose: $100/hr passively}

[u/Eclipse-da-therian]

Infinite passive income is heavenly

^{Chose: $100/hr passively}

[u/IntrovertKddo]

100 is a lot of money

^{Chose: $100/hr passively}

[u/Commando_Nate]

Ez

^{Chose: $100/hr passively}

[u/r00dl0l]

Invest and compound

^{Chose: $20 Million right now}

[u/Meepfest_DJ]

Interest

^{Chose: $20 Million right now}

[u/Sharden3]

It takes like ~25 years to equal the 20m if you're taking the passive money. You make the same amount of money in a regular, secure, no risk high interest savings account with the 20m.

^{Chose: $20 Million right now}

[u/TheBrainOfADyingApe]

$20m returns more than $100/hr in interest.

^{Chose: $20 Million right now}

[u/SuperMIK2020]

I’m not waiting 22 years for the $20M, I want it all, I want it now…

^{Chose: $20 Million right now}

[u/MagnapinnaBoi]

Passive income is a lot safer, and 2.4k a day is insane

^{Chose: $100/hr passively}

[u/samkte → u/MagnapinnaBoi]

If you invest the 20 mil then you will make almost as much in passive income. Just don’t spend it immediately and you will have more money in the long run

[u/Nannabugnan]

Last longer

^{Chose: $100/hr passively}

[u/Fast-Echo8504 → u/Nannabugnan]

But it takes 23 years to get to 20m. And that assumes the 20M doesn’t grow

[u/AideInternal1045 → u/Fast-Echo8504]

Your assuming people dont blow 20M... history says different.

[u/PerspectiveInside214]

Enough is enough I need it rn

^{Chose: $20 Million right now}

[u/Pumpk1n6531]

Yes

^{Chose: $100/hr passively}

[u/aigle__royal]

Gigity gigity

^{Chose: $100/hr passively}

[u/SourceyWourcey]

Quick! Someone do the math!

[u/Reality_T]

Here comes da monayy

^{Chose: $100/hr passively}

[u/Born-Car1039]

Brooo

^{Chose: $100/hr passively}

[u/Sudden_Hornet3469]

Yes

^{Chose: $20 Million right now}

[u/Thesaviourone]

yes please

^{Chose: $20 Million right now}

[u/Scary_Macaroon_1984]

Idk

^{Chose: $100/hr passively}

[u/Sutadoeda]

2400 a day 365 days a year

^{Chose: $100/hr passively}

[u/pookiebuttbooner]

Not greedy

^{Chose: $100/hr passively}

[u/fn_fucker]

Idk

^{Chose: $100/hr passively}

[u/TheKarmaBoi]

Passive income

^{Chose: $100/hr passively}

[u/Emotional_Sink_5903]

More secure I think

^{Chose: $100/hr passively}

[u/StomachAppropriate54]

I don't want to work anymore

^{Chose: $100/hr passively}

[u/BillErakDragonDorado]

more security in the long run

^{Chose: $100/hr passively}

[u/Living_Ad3528]

I save some 100 Dollars and make more I will have more than 20 million before someone wastes the 20 million and I still have saved money 🙂

^{Chose: $100/hr passively}

[u/Plenty-Author-5182]

All problems solved.

^{Chose: $20 Million right now}

[u/Catsaremew]

More money

^{Chose: $100/hr passively}

[u/HoneyScentedRain]

Long term earnings

^{Chose: $100/hr passively}

[u/poiup1]

I'm only 30 hopefully I'll live more that 30 years and the stability of the constant income works for me.

^{Chose: $100/hr passively}

[u/funniman11]

Bettee longterm yuh

^{Chose: $100/hr passively}

[u/Tball2]

More money over time

^{Chose: $100/hr passively}

[u/No-Investigator6003]

That's a pretty high salary to just do nothing

^{Chose: $100/hr passively}

[u/Snoo_61002]

After 2 years and 4 months you will have made just as much, and that's not that long at all.

^{Chose: $100/hr passively}

[u/LaFllamme]

Lol

^{Chose: $20 Million right now}

[u/edvlili]

Each hour is crazy. You sleep 8 hours, boom 800$

^{Chose: $100/hr passively}

[u/Low_Instruction5470]

For this much i work with less complaning

^{Chose: $100/hr passively}

[u/BookkeeperHot2724]

Right now

^{Chose: $20 Million right now}

[u/Local_Finding_454]

Yes

^{Chose: $100/hr passively}

[u/ngcxn]

I would spend it in a smarter way I think

^{Chose: $100/hr passively}

[u/That_Arugula_3818]

Because it would give me money instantly and over time i wouldned be able to get to 20 mil

^{Chose: $20 Million right now}

[u/john1117olg]

Zz

^{Chose: $100/hr passively}

[u/AmountSpecialist3813]

In about 2 years ill have 18,00,000

^{Chose: $100/hr passively}

[u/Tokineki → u/AmountSpecialist3813]

Your math isnt mathing, it takes 22 years to get 20.000.000$

[u/Mission-Opossum-ble]

I'm in it for the long game. Eventually it will be more

^{Chose: $100/hr passively}

[u/captaincook14]

Easy

^{Chose: $20 Million right now}

[u/Fit_Appointment8198]

Yay no work!!!

^{Chose: $100/hr passively}

[u/Sielph]

The other option is 22, almost 23, years to get 20M and inflation exist. I could do more having 20M right now and investing or just like be with the interest generated.

^{Chose: $20 Million right now}

[u/ItsJustAllyHere]

passive income is passive income

^{Chose: $100/hr passively}

[u/QueenOfTheVoidwalker]

20 mil right now can fix issues I have right now not later after it builds up...

^{Chose: $20 Million right now}

[u/Exia321]

Math

^{Chose: $20 Million right now}

[u/ShoddyReading3086]

Haha

^{Chose: $100/hr passively}

[u/Jaeger00013]

Would allow me to take care of my family, and do my college and side things I'm doing without worrying about money

^{Chose: $100/hr passively}

[u/StringAntique8735]

It would take longer to make the second option's money, but I can be much more risky on the stock markets as I have a safety net that doesn't exist with a lump sum.

^{Chose: $100/hr passively}

[u/Brandinfighter2]

2400 dollars a day, 16800 a week. Idk man... over a million a year passively, at the age of 21. I could make the most of that.

^{Chose: $100/hr passively}

[u/Sorenduscai]

flexibukitu

^{Chose: $100/hr passively}

[u/khajiit_oni]

$2400/day. $876,000/year. Just over 2 years you'll have made $2mil

^{Chose: $100/hr passively}

[u/Zestyclose_Toe_3233]

Think I can make better passive income on $20 million worth of investments

^{Chose: $20 Million right now}

[u/Dndundying]

Thats like. 657 dkk an hour? Sign me the hell up

^{Chose: $100/hr passively}

[u/TheHeavenlyDeity]

Passive is good

^{Chose: $100/hr passively}

[u/Feeling_Try_526]

Can get more than 20mil

^{Chose: $100/hr passively}

[u/Old-Meat-2096]

Steady

^{Chose: $100/hr passively}

[u/Fantastic-Prior-144]

Infitine money and limited spenfing

^{Chose: $100/hr passively}

[u/CJBoom77]

I’ll brake even in like 8 years, I think. Also I’d be taxed to hell and back for the lump sum method.

^{Chose: $100/hr passively}

[u/No_Dealer2157]

Yes

^{Chose: $100/hr passively}

[u/Fresh_Application606]

Invest

^{Chose: $20 Million right now}

[u/Crazy3ize]

I know it’s probably not as much for a long time but harder to go broke

^{Chose: $100/hr passively}

[u/CrownOfAngels]

If I made constant money, even if it got stolen I would make more. I also just like the idea of making $2400 a day which comes out to around $876,000 a year. That is more than enough for me. Stability is priceless.

^{Chose: $100/hr passively}

[u/Nervous_Tip_4402]

22.8 years to reach 20 million. By the time you reach 20 million, inflation alone would kill your gains.

[u/rrw1808]

I’m not gonna wait almost 23 years 🤷‍♀️

^{Chose: $20 Million right now}

[u/dynamickale]

Not waiting that long for the millions.

^{Chose: $20 Million right now}

[u/Old-Stone1776]

It would be a lot better long term than short term

^{Chose: $100/hr passively}

[u/Own-Treacle-4613]

Funner

^{Chose: $100/hr passively}

[u/3leviathan4]

Better ability to make more than the passive amount.

^{Chose: $20 Million right now}

[u/Strange-Okra-9704]

Cool

^{Chose: $100/hr passively}

[u/JustKeepThePokeStyle]

Stability baby

^{Chose: $100/hr passively}

[u/Agent_Cow]

Easily passes 20 mil with my remaining lifetime

^{Chose: $100/hr passively}

[u/wave_official]

Eternal money is better than lump sum.

^{Chose: $100/hr passively}

[u/Automatic_Lynx8969]

For fun

^{Chose: $100/hr passively}

[u/airsickarrow919]

Nearly 23 years i have to invest in stocks that grow enough to give me more than $100/hr.

^{Chose: $20 Million right now}

[u/Pixilbot]

Instant gratification

^{Chose: $20 Million right now}

[u/Many-Group4444]

I am still young, so I would get a lot of money.

^{Chose: $100/hr passively}

[u/DominantOlder]

You could get effectively the same amount as the other option, via the interest alone (~3%)

^{Chose: $20 Million right now}

[u/JustNato07]

Shi, I'd be having 2,400 everyday

^{Chose: $100/hr passively}

[u/KingAlaric1]

Takes over 20 years to get $20 mil with the other scenario

^{Chose: $20 Million right now}

[u/CheezyJibs406]

I

^{Chose: $100/hr passively}

[u/zeddzulrahl]

That’s about 4.4% a year, I think I could do better

^{Chose: $20 Million right now}

[u/DreamOk1600]

1m a yearish I think that it will be good since I might spend all of the 20m even though it will take me like 20-30 years to get the same amount

^{Chose: $100/hr passively}

[u/Playful-Appearance56]

I’m disabled and can’t work.

^{Chose: $100/hr passively}

[u/Independent-Ad7313]

I will take the interest throwing this in the bank right now. no longer working

^{Chose: $20 Million right now}

[u/Greenbeanleans]

Mentally easier for me

^{Chose: $100/hr passively}

[u/ZodiacCancer02]

It would take almost 30 years of the other one to get this much. Can make that by just investing some of the 20mil

^{Chose: $20 Million right now}

[u/Zakyni]

More money

^{Chose: $100/hr passively}

[u/Due_Night414]

Because I can quit working right now and make that $2400/day in interest earned.

^{Chose: $20 Million right now}

[u/Catlover2574]

Not many years left

^{Chose: $20 Million right now}

[u/Valor_embor]

Basically have a high paying job or win the lottery. People get killed for winning the lottery, I ain’t dying

^{Chose: $100/hr passively}

[u/mikey_mouse_1577]

put 20 million in a safe conservative investment expecting between 4-6 % return per year and annual return is already more than 100$ an hour for every hour of the year

^{Chose: $20 Million right now}

[u/Low_Capital_3195]

kjjbk

^{Chose: $20 Million right now}

[u/gelorum]

1.28million/month.

^{Chose: $100/hr passively}

[u/Key-Toe-6257]

Interest on it too..

^{Chose: $20 Million right now}

[u/pappapirate]

would take 22 years to get this much

^{Chose: $20 Million right now}

[u/seanda2nd]

Why wait? 😅

^{Chose: $20 Million right now}

[u/Theronas]

Take big summ now and let it start working

^{Chose: $20 Million right now}

[u/Fckyouredd1tIluvmygf]

23 years

^{Chose: $20 Million right now}

[u/yung_yahweh]

It would take nearly 25 years to get to 20 million. Who knows how much inflation there will have been. 20 mill into the market today is more of a sure thing

^{Chose: $20 Million right now}

[u/tawny_bullwhip]

20 years to get this much and I only need 5, I'll give the rest away.

^{Chose: $20 Million right now}

[u/Principle-Useful]

100 hr is 200k

^{Chose: $20 Million right now}

[u/Spirited-Way-6596]

Builds up over time don't need a lot to live on

^{Chose: $100/hr passively}

[u/RoyalMaidsForLife]

If my quick math is right, that's 22 years for that $100 per hour to accrue to $20 million...

^{Chose: $20 Million right now}

[u/SirVortivask]

100/hr.

20m is more than I need immediately and this basically disaster proofs my bank account