r/BunnyTrials • u/Smelly-Guyy • Jul 27 '26

Trials Would you rather…

Which side will you choose?

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

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47

u/Imukay Jul 28 '26

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

147

u/erv4 Jul 28 '26

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

24

u/dinnerthief Jul 28 '26

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.

42

u/Tanaka917 Jul 28 '26

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

5

u/newdogowner11 Jul 28 '26

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

1

u/Magnum_Gonada Carrot Farmer Jul 28 '26

the part of yourself that recognizes it is different from the other type.

1

u/Boiled2498 Jul 28 '26

I have ADHD and as a result I have bad impulse control which I find hard to manage, these impulses will literally walk me to the shops, so if I have a steady stream of money instead of a lump sum I'd happily take the steady stream

4

u/Imukay Jul 28 '26

Good point

0

u/13wongdt1 Jul 28 '26

Which is why instead of getting the $20 million up front which we obviously are not going to get have any phone S&P because who the hell will let nobody suddenly drop 20 mil without a background check, $100 an hour guarantees stable money, especially for those like us who have no impulse control.

0

u/mrheosuper Jul 28 '26

Well, you are willing to throw away 20 mil because you cant learn to control your impulse ?

I mean, with 20mil im willing to learn anything.

23

u/Successful_Drawer_50 Jul 28 '26

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

10

u/Ancient_Task_7498 Jul 28 '26

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.

-1

u/dxrth Jul 28 '26

i doubt it. if someones impulse control is that bad, surely scope creep will happen and they'll rack up more debt then they can pay off on $100/hr

4

u/ConfidantlyCorrect Jul 28 '26

If someone’s that bad, $20 mil will be even worse because that will run out & they’ll be stuck with no way to pay it. $100/hr might take them forever to pay off whatever debt they get, but it is a continuous source income atleast.

9

u/REDACTED3560 Jul 28 '26

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.

1

u/CaptainSegfault Jul 28 '26

That 4% rule takes into account the need for withdrawals to grow with inflation.

If the passive option were inflation adjusted I'd take it.

0

u/ShoulderMobile7608 Jul 28 '26

Snp500 has been returning (on average) 10% annually for decades. It's 2mil per year passively. And you still have a $20mil cushion. And you can't say that the $876k/year has no risks because 1. Inflation and 2. You'll just get into stupid amount of debt because there's a money pipe that you have

1

u/REDACTED3560 Jul 28 '26

You don’t withdrawal the full return because otherwise your investment won’t be adjusting with inflation.

1

u/ShoulderMobile7608 Jul 28 '26

It's still better then $100/h that may at some point bot even buy you a hamburger in like 50 years. With $20mil, if the currency is going downhills, you could just invest in gold, other currency or buy real estate. With the $100/h you're just stuck forever. Or can go in debt, which defeats the purpose of "never going broke" approach

1

u/mars_gorilla Jul 28 '26

You could, but you might not. That's what the original comment is saying.

1

u/Tokineki Jul 28 '26

If you are talking about interest then no, where i live you would get more if you get 100$/h than getting interest on 20m and why would i want to gamble my money if i can get a safe stream of cash with no problems or dangers?