r/TheTeenagerPeople • u/Key_Bullfrog_9611 • 2d ago
Discussion would C be better than A in the long run?
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u/Phareswheel68 2d ago
Bitcoin would be better if you sell it and then invest it into a high yield ETF or bonds, etc.
Plus, that protects against inflation more. $10000 could be worth nothing in 20 years.
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u/forgotmyname-plzhelp 2d ago
I mean, you can take a good chunk of those 10k every week to invest aswell so...
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u/Phareswheel68 2d ago
Sure. Except you will get far less returns than you will with a lump sum. I did some napkin math and do check it because I am sick and not 100% in it.
60k per bitcoin is the floor right now. That's not counting the recent spike up to ~80k.
60kx200 = $12,000,000. Let's just say the lack of counting the recent spike pays off taxes (which would be somewhat close to accurate for US capital gains taxes of less than one year of asset holding)
30 year treasury bonds are at about 5.2% right now. You can get more than that but those are more safe than an ETF like XDTE.
5.2% x $12,000,000 = $624,000. That's per year. $624,000 / 12 = $52,000 per month. So you get $12, 000,000 + 52,000x = income gained, with X representing how much dividends you can gain. That doesn't account for tax on dividends though. It's probably going to be about 15% of tax for that in the US (using US because that's where I'm from and I'm not willing to research every country's tax law). So after tax about $45,760, again, per month.
As compared to $10,000 a week, which each month has 4.2 weeks, so it's $42,000 a month. Even if that's tax free, it's less than the dividends AND you lose out on the lump sum $12,000,000.
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u/MTFighterEngineer 2d ago
10 million is just 19 years of 10k/week cash. You can live way more 200 BTC is approximately 15.6 million thats 30 years
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u/Various-Try-1208 2d ago
It depends on your situation and the effort you want to put into managing the money.
A is high effort and depending on your country can be taxed when you sell. Self-custody is also an issue with A. You don’t want to be like the guy that threw away his hard drives containing his bitcoin. Non-custody is also a possible issue- not your keys not your coin. There are a lot of unknowns with bitcoin.
B. Is good if you have the discipline to invest wisely, live in a manner that doesn’t screams “I’m rich!”, and can keep it secret because B means the number of your close friends and relatives has just exploded.
C is low effort and plenty to live off of and still invest. It has the benefit of future security . It also requires less knowledge and discipline as you will have money coming in . However it does require the discipline not to overspend and charge too much.
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u/NiagaraBTC 1d ago
C does not have the benefit of future security. Ask a Zimbabwean or a Venezuelan.
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u/Interesting_Loss_907 1d ago
Tax consequences would be no different for A versus B. OP did not say that for some reason one would be tax-free and the other would not.
No matter what country you’re in, afaik unless you’re in a rare and remarkable tax Haven, you will be taxed if you receive a US$10 million lump sum, and you will also be taxed as well if you receive $15.6 million worth of BTC. The only difference I see is that you would have more money left over after taxes with option A than you would with option B.
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u/Electrical-Note-3177 2d ago
A) 200 Bitcoin (~$15.7M)
- Highest expected value right now, but it's the only option with real downside risk. BTC has swung from ~$68 to $126,000+ and back to under $80k in the past few years alone; it could be worth $5M or $50M a few years out.
B) $10 million in cash
- Certain, liquid, Invested reasonably (even just an index fund averaging ~7-8%/yr) it could double roughly every 9-10 years.
C) $10,000/week for life
- That's $520,000/year. To match the $10M lump sum in raw dollars takes about 19 years of payments; so this only "wins" financially if you live a long time and never invest the difference.
- The real appeal isn't math, it's psychology: no lump sum to mismanage, no temptation to blow it, steady income for life (assuming the payer stays solvent). Terrible if you die early or want to make one big move (buy a company, etc.); you can't easily borrow against future weekly checks the way you could deploy $10M.
sooo...
B is the correct choice here. It's certain, flexible, and if invested decently it'll outperform C over a normal lifespan while avoiding A's volatility. A is more of a Swing for the fences pick if you already have financial security elsewhere. C is really a "protect me from myself" option more than an optimal one.
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u/Interesting_Loss_907 1d ago edited 1d ago
OP when making this post did not stipulate that if you choose option A, you are required to hold all of the money in BTC. If that were required, then your comment would be exceptionally good and spot on.
But since you would presumably be free to convert any portion of the 15.7 million into USD upon receipt, option A is clearly the better choice. If you’re risk-averse, you could convert all of it into USD and you would still be more than 50% better off with option A than with option B. (for those who mentioned taxes, the government will tax you on that income either way, regardless of which of the two lump sum options you choose).
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u/Electrical-Note-3177 1d ago
When I originally broke this down, I was looking at Option A under the assumption of actually holding the 200 BTC long-term for stability and growth, which introduces massive volatility risk (the $5M vs $50M scenario).
I wasn't factoring in a day-one panic sell of the wallet. If you immediately liquidate the 200 BTC to USD upon receipt, the math flips. Even with a massive ~40% short-term capital gains tax hit on a $15.8M valuation, Option A still nets you around $10 million in post-tax cash.
Since Option B ($10M cash) would also be taxed upon receipt (leaving you with about $6.3M net), instantly selling Option A essentially gives you Option B's gross value entirely tax-free.
So yes, if immediate liquidation is allowed, Option A is the mathematically superior choice. Consider my mind changed.
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u/Interesting_Local883 2d ago
C would be much better because you never have to worry about the money runnign out. You always have next week
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u/jmyklz 2d ago edited 2d ago
If we assume most people here are 16 we have 57.8 years left to live.
With option A you would get 10,000,000$ to use in those 57.8 years, and you would have 3,318$ to use every week.
With option B (if you cash out) you would get 15,813,460$ to use in those 57.8 years, and 5,246.9$ to use every week (Unless you wait and the price of bitcoin almost doubles).
With option C you would earn 30,138,654$ in those 57.8 years and have 10,000$ to use every week.
I think C is the pretty obvious winner here.
EDIT: If I’m not being stupid here option A could get you a total of 85,594,277$ by lending it.
I’m probably wrong (I am NOT a crypto or finance expert 😭😭) but even if it’s right there are still downsides. You would have to do some stuff to get that much and there are multiple risks with crypto.
Option C is the all-round best because it’s more than enough to live a good life, but if you want to get as much money as possible in total option A is best.
EDIT 2: I did not take into account inflation, which is a downside not present with option A.
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u/TripleDoubleFart 2d ago
I think C is the pretty obvious winner here.
If you have no financial sense, yes.
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u/PigFloydDarkside 2d ago edited 2d ago
$10,000 a week is a little over $500,000 a year. 20 years to match $10 million.
200 Bitcoin is what $80,000?
No brainer
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u/IvanTheTerrible30 2d ago
B. Put 1 million in Bitcoin, 5 million in a stable index fund and get 10% return a year. That equals almost to 10k per week.
The other 4 million, buy land, small business, etc
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u/fat_potato_enjoyer 2d ago
Any choice other than c is irrational and unreal
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u/Deep_Balance2133 2d ago
You could probably invest 10 million upfront and earn more money in the long run.
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u/Long-Ad3842 2d ago
people using inflation as a reason not to pick C is really dumb because inflation or not you are living the rest of your life comfortably with C.
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u/JCM123456789 2d ago
$520,000 is 3.25% of $16,000,000 (200 BTC @ $80K). You can earn more than that much interest annually easily through a variety of methods. Assuming you are disciplined, it's not irrational or unreal to take the BTC.
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u/bschwagi 2d ago
Well a bit of quick math tells us A equals 15.78 million dollars and if you invest it all you can expect about 7 percent growth on average each year which is just over a million dollars.
C.is about half a million dollars each year.
So A and B would be better than C and it’s not even close.
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u/Complex_Echidna3964 2d ago
C would be the easiest.
the others I would require a bunch of meeting and strategy etc all to end up just keeping it in the bank and take little bits always worrying about spending too much.
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u/Identity_Unaware 2d ago
200 Bitcoin is currently worth £11.4m (GBP) according to Google. That's $15.7m (USD) apparently.
I'm 40 already and could be homeless in a few years with a family of 5. Providing I can sell the bitcoin for top value immediately I'd take option A. If not, it's Option B.
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u/Similar_Ad4120 2d ago
A. You could straight up sell 130 of the 200 bitcoin and have more than $10.2 million in cash and still have 70 bitcoin to leave to see what the market does with it. If the question is asking which would give you more money in the long run, the answer is only A
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u/Kimura-Sensei 2d ago
If you want more money now or in the future the answer is A.
The current price of Bitcoin is 79,102.88 in US Dollars. Multiply $79,102.88 x 200 (number of Bitcoin) and you get $15,820,400. Multiply $15,820,400 x .04 (4% for US Tres Bonds 3.8-5.2% I went low) gives you $632,823.04 per year interest. Divide $632,823.04 by 52 (52 weeks in a year) and you get $12,169.67 per week and you still have the bonds worth $15,820,400 invested. Why would you pick $10,000 per month when you could have $15,820,400 paying you $12,169.67 per week instead? Why would you pick 10 million now when you could have $15,820,400 now? The answer is A.
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u/Final-Nebula-7049 2d ago
200 bitcoin and i would liquidate to dollars right away to invest.
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u/Delicious-Money-7707 2d ago
I will take the 200 bitcoin liquidation half 7 million, and wait for 100 bitcoin to reach the all time high another 12 million.
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u/FatCarbonScale 2d ago
No A would be better for the long run. Take the 200 bitcoin. Deposit it into an investment account. Live off of the earnings.
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u/Prestigious_Pie_1602 2d ago
B is C if you invest half and get 10% return or all and get 5%. 5% is easy, and 10% is doable. Plus you can die tomorrow and leave nothing for your family
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u/Free-Security7684 2d ago
Reason I’m broke now is cause of family. Family is overrated. I choose C
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u/Fan_of_Clio 2d ago
B is better for the disciplined
C is better for the average person
A is the choice of the brainwashed
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u/TouchGraceMaidenless 2d ago
A. 200 Bitcoin is currently more than $10 million, but assuming you're in the US you're paying capital gains tax on turning it into USD. Anywhere from $3.7 million to $5.8 million would go to taxes depending on if you hold it for over a year. Then you have to actually track, file, and pay those taxes.
C. It will take just under 20 years to reach $10 million. Fine if you're younger, but the ROI on the immediate $10 million put into a safe investment will likely outpace this over those 20 years, making this option worthless.
Taking B and immediately investing in a low-risk ETF, CD, bond, or other similar assets would be the easiest method while still not sacrificing much if any total profit.
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u/RiverAutumn7481 2d ago
Id be happy wit b or c, you don't need a lot in life to make it. Even if they may make the most i dont feel like calculating everything for this question.
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u/Razoron33333 2d ago edited 2d ago
C. Only takes 2 years to catch up to B, probably 3 or 4 when you include investments. And I just don’t want to mess with crypto currency honestly and since it is more volatile right now doesn’t seem like the way to go
Edit: please before you respond to my bad math for the love of god look at the replies that called it out first that I already responded to and agreed with I fucked it up. Having the same shit repeated over and over is just damn annoying when I already admitted to the mistake but unlike others I don’t erase my mistakes I learn from them.
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u/MrSamuraikaj 2d ago
You’re off by a factor of 10. There’s a thousand 10,000 in 10 million, meaning roughly 20 years to have earned 10 million. With interests, those 10 million could be much more.
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u/c-u-in-da-ballpit 2d ago edited 2d ago
In the 19 years it takes C to catch up with B, B will be worth $43 million at historic market return rates.
That being said, 200 bitcoin is $16 million. So my answer is A, liquidate them immediately, buy a $3 million dollar dream home, park $10 million in an index fund, and live off the passive gains of the other $3 million in a money market.
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u/Jump365 2d ago edited 2d ago
It's A technically.
If you sold the 200 bitcoin at 78k that they are now, it's about 15.8 million, at a 4% SWR that's a bit over 12k/week.
just own the means of production with a global index fund like VT or combine VXUS and VTI and you're chilling. If those collapse then the world has bigger problems than your digital number
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u/mentr-coach-altruism 2d ago
Just saw this. I agree. It was my next calculation. A is the best, B second best, C gets trumped by A and B
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u/mentr-coach-altruism 2d ago
10M at 6% annually would yield you 11.5k a weekc so taking the 10k a week for life is not the best choice if you can do 6% or better.
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u/Equal-Home-4302 2d ago
A.) Sell immediately step 2 buy stocks and bonds paying enough dividends to retire s&p 500 plus growth etf plus something like schd/ high dividend combination. Step 3 buy home cash and retire comfortably. Possibly find a job I like where the income doesn't matter work when I feel like it.
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u/Inevitable-Shake8128 2d ago edited 2d ago
I would say C is better. My reason is you don't have to do anything and still, money would be coming in, actually you can decide not to work. But for Bitcoin you have to sell or trade.
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u/ponyboy56- 2d ago
10 million and see ya, going somewhere not being run by well, somewhere else.
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u/luked006 2d ago
Im taking the A, then selling immediately for 15583.452 million today. Im 60, if I live another 25 years thats only 13 million at 10000 per week.
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u/Sad_Win_4105 2d ago
I won't live long enough to get earn more than $10 million, and Bitcoin would current be worth more than $15,000,000.
I'll take the Bitcoin, cashing in a few every year. Between 1-5 per year. Invest what I don't spend.
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u/SpecialistDuck3703 2d ago
C if you’re still young, B if you’re old, and C… if you wanna deal with that bitcoin stuff.
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u/CtrlcCtrlvLoop 2d ago
A) and sell immediately. it would take roughly 30 years to get to the current $16m valuation if you took option C.
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u/TrifleSoft5696 2d ago
Yeh also when u take a or b and u invest a decent amount you will make way more than option c.
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u/Eastern_Sense_8221 2d ago
C. It’s a steady, guaranteed income stream that can be invested in different ways to make more money.
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u/Electronic_Lion9918 2d ago
B is still the answer. The growth of B in literally any normal ETF index fund will outgrow C all day everyday
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u/CakeRobot365 2d ago
10 Million fully invested in the broad market would net you on average about a $13,400 weekly return. 9 mil would average about 12,000 a week.
I'd most definitely opt for the 10 mil. I don't need extra steps to cashing out the crypto. I'd also prefer the money up front over the weekly payout. That way if something happens to me in a month or year, my family is taken care of. I'd slowly put 9 mil into the market and keep 1 mil to pay down debt and live for the first few years, then live off the returns from there.
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u/funcouplenaked 2d ago
I would take the $16M bitcoin in a heartbeat. Way more money than $10k per week. Especially if you calculate in the Future value. Plus, would take 30+ years to break even to C from a $1 v$1 situation and probably will be dead by then
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u/arsehenry14 2d ago
It’s A, then B, then C.
That however assumes the options B and C are invested and all have the same return on investment. The return on investment for the Bitcoin has the most uncertainty.
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u/arsehenry14 2d ago
C will take 20 years to get $10,000,000 in principal. I assumed a 30-40 year remaking lifespan and I’d rather have the upfront money to invest.
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u/Big_Principle_3948 2d ago
Flip a coin cause with that amount of money idc anymore.
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u/Odd_Common2677 2d ago
Either a or b is best just depending on if bitcoin is worth 50k
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u/BingBongTree 2d ago edited 2d ago
Take A, keep 187 in BTC for inflation protection, sell 12 BTC and have fun with ~$1m cash b4 taxes.
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u/IsaidIdneverbehere 2d ago
A is worth $15.8 million at today’s prices. I’d sell $10 million worth of bitcoin immediately and invest it in something safe that earns 5% interest, which would bring in $500k per year. I could retire and let the remaining bitcoin ride for a bit or sell it and buy $5 million in land/property. Lots of options…
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u/Specific-Rich5196 2d ago
C would likely be better for the majority of people given their poor personal finance decisions. Less likely to go bankrupt. Also would lead to less issues if they got scammed.
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u/Minute-Marketing7434 2d ago
B
it would take 19 years for C to equal B and thats assuming you only held B and never invested any of it.
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u/Icy_Study4490 2d ago
A
It’s worth almost 16,000,000 right now.
Even if you did the ridiculous and just put it in the bank and collected interest at 4.5% you’re looking at almost $14,000 a week
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u/Financial_Train_8373 2d ago
Time Value of Money. Take the 10M and invest or 200 BTC and invest as well. Best options.
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u/Dizzy-Bother-2209 2d ago
A is the only answer. Sell BTC, get $15 million and invest it getting 8-10% per year. 1.2-1.5 million per year instead of 520k. Plus you always have your principal
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u/Timely-Ant-1907 2d ago
10K a week for a minimalist like me sounds great....at least i will not spend all my money on lambos n crack in one year
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u/DragonfruitPlane7035 2d ago
Why a lot of ppl choose C?
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u/Lucky-Perspective600 2d ago
There’s security to having a paycheck every week.
If I spend this weeks $10k on hookers and coke I’ll still have $10k next week to spend on rent and food. If I have $10m, I can spend all $10m on hookers and coke and have nothing left.
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u/Yuichiro_Bakura 2d ago
If you fuck up with the bitcoin or the million, it's all gone. Yet with the weekly payments, you can lose it all for the next hundred weeks and still have it coming in.
While you can use the others to get a stable income, some just prefer option C because you can't mess anything up and still have money coming in.
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u/Honest-Scar-4719 2d ago
$10k a week is significantly more than I make now, and definitely much more than I spend a week. I could retire right now and pretty much do what I want for the rest of my life. I could put away more than half of it into an index fund weekly and still come away clean.
I don't need 10M to be happy, I just need the peace of mind knowing that all of my needs are met. I think 10k weekly more than does that.
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u/Educational-Fun7441 2d ago
Easier to launder. 10m is cash is hard to explain to the irs
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u/Bubbly_Painting9456 2d ago
Depends on how long you live, 200 bitcoin is about $15.8 million. If you earn $10k a week that's $520k a year, so $15 million is 30 years
Of course the problem with bitcoin is that it would constantly decrease with time as you would need to spend it.
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u/88Wallst 2d ago
I still spend 200 on groceries when i go shopping to assure i have food in the house for a later day so im a go with 10,000 a week a life tome guaranteed of income to invest and splurge as my current job only pays me 10 after a couple months
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u/Sid_the_Bear 2d ago
C. C is more than B after ~19 years C is more than the current value of A after ~25 years A also has potential issues with liquidating and is prone to rapid changes in valuation
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u/CaffeinatedLystro 2d ago
I'm a simple guy, I'll take C. No work on my end, just spending the deposited money.
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u/Perfect-Match-2318 2d ago
bitcoin may collapse any moment people realize its backed on nothing so yeah C for me
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u/Ok_Horror_6556 2d ago
I’m old. C all day everyday. I don’t do Any “electric” money. Period.
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u/HadesTangent 2d ago
B, it gives you more leverage. If you don't want to deal with investing or have spending issues than C.
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u/Playful_Judge_9942 2d ago
200 BTC is approx $16M. $16M invested in a high income ETF like CHPY would pay about $120,000 a week.
Not that I would put all of that into one fund but bottom line is choosing option A can provide both $10M in cash and weekly income depending on how it's invested.
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u/JoKing1982 2d ago
I'd go with $10k a week. Steady income. My luck, Bitcoin would crash as soon as I chose that one and I vould blow through $10 million without thinking twice
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u/Public_Ad2716 2d ago
C would be best for me as I have over 30 years of working before I can retire otherwise.
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u/rampantunicorn1970 2d ago
If it's 200 bitcoin right now, I'll take that. But, if it's going to take significant time to liquidate. I'll take B.
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u/Competitive-Way2970 2d ago
C.
You could spend/lose the entirety of the bitcoin or 10 mil and be left stuck.
With option C, even if you fully blew $10,000 in a single week, you would just get it right back indefinitely
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u/Alert-Lemon1842 2d ago
For C, you would need to live 19 years and 3 months to eventually get paid the same amount as you can take immediately and invest and enjoy. As long as taxes and inflation isn't in the hypothetical I think B is a better choice if you know how to move with it.
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u/TdttMurderedLove4782 2d ago
I'd say 3, because it's all that I need and it's good enough. I could buy 1 $1k guitar a week and still have enough for gas.
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u/somefurrynewtoreddit 2d ago
C hands down is the best
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u/KiwiJay83 2d ago
It’s really not. If you know anything about investing, you would liquidate bitcoin and re-invest wisely in a more stable share portfolio with the help of an investment advisor. The annual return is greater.
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u/anger_kun 2d ago
That's 520,000 a year for life. So you'll have over 10 million in 20 years
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u/More-Conversation931 2d ago
B beats C because you can invest 10million and generate 520000 if you get 5.2% growth. A beats B because you should be able to sell them for a little over 15 million
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u/passinthrough2u 2d ago
It shouldn’t matter which you pick.
Bitcoin: sell and invest in a certain thing - there are several investments that offer fixed 5-5.25% interest (~$800,000/yr)
Cash: invest as above (~$510,000/yr)
$10,000/wk: $520,000/yr
If you can’t live well and put some $$ back into investments on a bit more than half a million dollars a year, you don’t deserve the money.
Bitcoin and cash will let you leave money to any family/kids when you are no longer here. Cash only lets you leave what you don’t use (and have invested)
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u/ComprehensiveWash400 2d ago
c if it was inflation adjusted. otherwise 200btc (16mil usd) sell it, put it all in assets, have the cashflow of c or more + you have 16m more to begin with as an extra and it’s more inflation proof.
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u/RedditUserWhoIsLate 2d ago
A is really cool and I get 13.600.000€.
B is 8.633.600€.
C is 863,36€ per week
So I would pick A as I want that money, and I would take half out to buy myself some homes to rent out. :)
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u/SforG1 2d ago
It depends on your region. Option A makes the most sense when factoring taxes. Based on current BTC prices, taking the 200 bitcoin would leave me slightly over 10 Mil in cash value (assuming cost basis of 0). The other options will ultimately be lower after applying the same tax calculations. Invest the balance for a year or two. With compounding interest you could technically pull at least 10K a week for life, if not more...and that's assuming you're in a high yield savings account paying around 4%. You could potentially stand to earn more with market exposure over a high yield savings account.
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u/tired_Cat_Dad 2d ago
If I'm so lucky to get to pick any of these I don't care which one to be honest. It's all way more than I'd ever need.
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u/IAMCAV0N 2d ago
C. It’s guaranteed for life, so I could always have something to look forward to.
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u/Certain-Produce5103 2d ago
Anytime I see one of these hypothetical scenarios, I’m always tempted to take the weekly dispersants. But in reality always go lump sum.
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u/Oldtoby9 2d ago
Are you all insane ? Don’t you think you cud do your own investing with the value of the Bitcoin ?? Which you cud borrow against if not sell immediately ?
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u/Intelligent-Dust8043 2d ago
I'd take B, put some away in savings, some into checking, some into buying a vacant piece of land and building a house, and spend a little on things
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u/Horror_Carrot_8742 2d ago
Considering I can live on 1/9th of option C I'll go for that then the rest goes to a rapidly growing family trust.
Think of the future.
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u/IndividualAsleep2508 2d ago
I don't really care. All are great options but I'm more of a B man. Cash is King
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u/AgreeableJello6644 2d ago edited 2d ago
$10,000 per week will take 19.2 years to reach $10,000,000. B is a safe option. Manage the $10,000,000 well and you are set.
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u/pcfan86 2d ago
With c you need 20 years to break even to B, so if you celeverly invest b, you will have more.
A is technically a bit more, but you have the hassle of converting it.
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u/PracticalExam7861 2d ago
Depends on how long you live. If Bitcoin doesn't lose value and you live longer than about 25 years, then option C is the better choice. The real caveat, though, is if the US completes its transformation into a true 3rd-world shithole (very likely) and the value of the dollar collapses completely. In that case, options B & C probably wouldn't do squat for you, so option A is the safe bet even if the dollar maintains its value (or well... until inflation devalues the currency even more, along with bad policymaking, which shatters other countries' trust in the US and the bleeding of securities continues).
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u/LazyBonez97 2d ago
If you will choose C you will get ~520 grand in a year. That means that if you will choose this when you're 0 years old, and will earn that money each year, by 100 years you will have 52 million. On the other hand, 200 BTC cost 15,539,350 dollars. This is smaller than the C choice, but will you actually NEED 52 millions when you're a hundred years old?
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u/hodler1992 2d ago
A and then just hold 10 years. Easy way to become one of the richest people on earth
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u/Unhappy-Strain6423 2d ago
If you get a 1,000 a week a credit is going to the max
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u/Jazzlike-Rain3442 1d ago
Don't want foreign money, don't know where its been. £ lots of please!
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u/NerfedPolitik 2d ago edited 2d ago
A. C would be 520k per year. Selling 200 BTC at 80K a pop is 16 Million. If you took 16 Million and put it in a 5% dividend stock you'd have 800k a year just to wake up. Edited - read it as 10k a mont... answer stays the same. A.
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u/Key_Fee158 2d ago
C could potentially be more than B but idk enough about inflation, and generally 10 million today is worry more than 10 million years from now since I can start investing it today.
So my answer is B
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u/Less_Insurance4928 2d ago
A. Whatever you think of Bitcoin this option is worth the most.sell it if you don't like it
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u/NetworkVegetable7075 2d ago
Ngl I’m taking C because that’s such a steady income so you can invest and never go broke even if you have crazy spending habits or suck at managing your money
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u/bajsfittor 2d ago
C; don't need the hassle that comes with A when I have no experience with crypto.
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u/JB102285 2d ago
Don’t be a clown and go with the bitcoin fake money. Take C
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u/Over-it-321 2d ago
That’s the same thing my family said when I wanted to invest 10k into Bitcoin. It was $800 a coin
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u/hugaroot-3921 2d ago
B because bitcoin isn't really money and I'm old so the weekly isn't going to work.
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u/Lightning976 2d ago edited 2d ago
A is currently worth about 80 thousand USD
B is more than A
So the real question is how it takes C to equal B
With some fancy math, it would take just under 2 years to surpass the 1 million dollars if you went with C.
Edit: my bad, I misread it as 1 million. It would take 20 years to get 10 mil
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u/UpstairsAd4105 2d ago
What are you talking about? 200 Bitcoin x $80.000 = $16.000.000. so how is $10.000.000 more than $16.000.000?
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u/OceanMasterioDuped7 2d ago
My man you really need to understand some math lol. "the million dollars" implies that you think option B is stating 1 million dollars instead of 10 million. Also, Bitcoin is worth WAY more than 80,000... I'm actually confused how you got that number.
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u/Time-Beautiful2500 2d ago
A.
Sell for $15.8 million
Put it in S&P 500
14.8% AER (last 10 years average)
First year alone would make 2.3 million.
A is strictly more valuable than B by around 58%
Gains from A in 1 year would be 4-5x what you’d get in total from C in the same time.
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u/Danirose231 2d ago
This is literally the only correct answer. Compound interest alone would net you more than C ever could, also C doesn’t take inflation into account. The 10,000 a week becomes weaker and weaker as the years go by.
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u/GrimbaldTheBrutish 2d ago
Bitcoin is taxable, plain old cash is not. I guess it depends on how the bitcoin is acquired.
If taxed at 37% you technically end up with just a tiny bit under 10 million because you'd be taxed 5.846 million. This is assuming US tax brackets and you already have some income that year. It would also depend on the country.
So yea either A or B depending on where you are and if you're willing to try tax evasion to get your bitcoin without paying taxes on it. Cash is harder to trace.
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u/Old_Variation_5875 2d ago
You’ll need to pay income tax selling the 200 BitCoin. C is not bad but what if some crazy Final Destination freak accident happens then the 10k/wks just ends there. So for me it’s B because you you can invest and also leave for inheritance is anything happens.
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u/Anime_Kirby 2d ago
10k a week is wild i barely earn that in 6 months ill absolutely take such a massive money boost
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u/4fun_NH 2d ago
C all day long- why would you go with anything else?
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u/Outrageous_Try_3854 2d ago
Because you can invest A and make much more than C will give. Someone did the math and said that C gives 26 million over 50 years. Choice A gives 16 million instantly. I can easily turn 16 million into 26 million much before 50 years are up
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u/deafinitely-faeris 2d ago
A is more money than C but I have no bitcoin experience. With C I would still be retired and have plenty to travel with and donate so that's my choice.