# 2 Mil in cash or 75% off everything for life? **URL:** \ **Category:** In My Humble Opinion\ **Created:** [April 10, 2002, 8:15pm UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893 "2002-04-10T20:15:27Z")\ **Posts on this page:** 6\ **Page:** 3
**Author:** ![GusNSpot](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/gusnspot/32/436_2.png) [@GusNSpot](https://boards.straightdope.com/u/GusNSpot)\ **Post date:** [April 14, 2002, 7:57am UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893/41 "2002-04-14T07:57:44Z")
I’m old, gimme the 2 Mil… ---
**Author:** ![Schnitte](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/schnitte/32/9033_2.png) [@Schnitte](https://boards.straightdope.com/u/Schnitte)\ **Post date:** [April 14, 2002, 3:51pm UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893/42 "2002-04-14T15:51:36Z")
The $2 million thing seems safer to me - I’d invest them at, say, 5 % p.a., and enjoy a steady annual income of $100,000 for the rest of my life. The 75 % rebate would force me to keep on working, because I have to have monrey in order to make use of the deduction. And since $100K a year is enough for me, I won’t be greedy and be content with it. It’s safer, more comfortable, and complies with my natural laziness… ---
**Author:** ![erislover](https://avatars.discourse-cdn.com/v4/letter/e/71e660/32.png) [@erislover](https://boards.straightdope.com/u/erislover)\ **Post date:** [April 14, 2002, 5:15pm UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893/43 "2002-04-14T17:15:34Z")
Definitely the 2 mil option. My dream in life isn’t to be filthy rich, just comfortable without having to work. Hell, one million could do that. Two million is a bonus so I can afford a bigger house. ---
**Author:** ![PhiloVance](https://avatars.discourse-cdn.com/v4/letter/p/e19adc/32.png) [@PhiloVance](https://boards.straightdope.com/u/PhiloVance)\ **Post date:** [April 14, 2002, 5:43pm UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893/44 "2002-04-14T17:43:55Z")
The 2 mil up front is cool; especially if inflation boots up. Also, as Fretful Porcupine said, buying and selling involves too much work. 😉 ---
**Author:** ![Tiburon](https://avatars.discourse-cdn.com/v4/letter/t/e36b37/32.png) [@Tiburon](https://boards.straightdope.com/u/Tiburon)\ **Post date:** [April 15, 2002, 2:09pm UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893/45 "2002-04-15T14:09:12Z")
**Zebra** , I hadn’t thought about credit rating. Let’s say you wanted a 200K house. You would get financing for 50K and part of the hypothetical is that no one would blink or think anything about it - and that the remaining 150K would be provided from some mysterious, anon source. I really hadn’t thought about joint purchases, to be honest. I like this question because while it seems so clear to some of us to take the 75% off option, there are others out there who would not - and their choice is equally clear to them. Personally, I do better with some forced structure in my life. I sort of need a job to keep my sanity. I’d definitely bargain for better vacation time, that’s for sure - but the 75% off allows me to better manage my life. I just know I’d end up blowing the 2 million _somehow_. What a horrible commentary on my self-control! Tibs. ---
**Author:** ![Legomancer](https://avatars.discourse-cdn.com/v4/letter/l/779978/32.png) [@Legomancer](https://boards.straightdope.com/u/Legomancer)\ **Post date:** [April 15, 2002, 2:19pm UTC](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893/46 "2002-04-15T14:19:48Z")
> [@](#): > > \*Originally posted by erislover \* > \*\*Definitely the 2 mil option. My dream in life isn’t to be filthy rich, just comfortable without having to work. Hell, one million could do that. Two million is a bonus so I can afford a bigger house. \*\* No doubt. $2 million is like getting $40k/year for 50 years. That’s more than I’m making now. Tell me I can make $40k/year for, essentially, the rest of my life without having to put in a day of work and I’m sold. I can’t imagine not having to work for someone else and yet doing it anyway. Time is far more precious a resource than money and yet people happily give it away all the time. [Previous page](https://boards.straightdope.com/t/2-mil-in-cash-or-75-off-everything-for-life/102893.md?page=2)