u/Ghaticus

I'll set values at the end of the question, but I'm really interested in peoples thoughts about short vs long term. Differences in age, current assets, life style i think is going to play a role.

So you win a lottery and get the choice of 2 prizes.

Prize 1 is cash. Money is directly into your account with no fees or taxes payable by you.

Prize 2 is a small duplex in a nice upper medium class area. First 12 months ownership costs are paid.

If you invest all the money you'll earn approximately your countries average wage before tax each year.

If you rent out both duplexes you'll earn about the same but will need to paid maintenance, insurance, land costs/rates etc.

If you live is one and rent the other you'll be able to cover all costs for maintenance and fees etc with a little left over.

I live in Australia so this is in AUD.

The prize money is $1.8m. At 6% that would earn approximately $108,000pa (taxable)

The duplexes earn $1000per week each in rent or $104,000pa.

They are worth \~$4m if sold. Taxes and agents fees etc. apply.

Which do you choose?

If you are comfortabke in sharing, please include your age range (0-25, 26-50, 51-75, 76+) and if you have stay at home kids mortgage etc.

This is to support a discussion I'm having with one of my adult kids and his girlfriend.

Ok, so there are many, many posts with the choice of time travel back to age 'x' or receive $/€/£ 'x' million/billion.

So how about a slightly different angle.

A) You can choose USD$100m (or equivalent) and get it on December 31st 2026.

B) You are returned to age 10 with USD$5m (or equivalent) in a high interest account (say 6-7%) at 6% this gives you appropriately an additional $3m (total ~$7.97m)

Remember you will be taxed as normal once you are an adult, and you cannot trade shares until you're of legal age where you live.

You can touch the money (give to parents etc.) and grt them to trade. None can steal the money and you will not be forced/coerced to hand the money over.

Edit: you go back with memories.

So, the genie/billionaire/hypothetical situation has come true, you have more money than you can ever honestly spend.

What is the first thing(s) you'd spend money on that is just for you?

I'm not talking a house, or car, or yacht. Looking for something just for yourself, would you get rhinoplasty, mammoplasty, teeth implants, or hair implants?

Do you want a specific watch, or a Gucci bag, or a Palm angels tracksuit?

Personally, I'm getting dental work done, thats first on the list if I was rich.

Looking for suggestions on longer (ideally finished) series in the LitRPG or Isekai genres. Nsfw is perfectly fine, if it's good the wife will read as well lol.

I typically prefer non-apocalyptic but will read lol.

I've either finished or am up to date in - HWFWM, DCC, DOTF, PoA, the land, Primal Hunter, system universe, all of Bruce Sentar's work, azerinth healer, and a whole bunch more lol.

Some like the Wondering inn, got put the the side about half way through.

Something similar to JR Salteri dungeon cleaners would be awesome.

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