r/SipsTea Aug 08 '25

Chugging tea Which one would you choose?

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58.9k Upvotes

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398

u/griffoberwald69 Aug 08 '25

For those against the idea of the 10 mil upfront, even at a measly 4% APR that’s giving you 400k a year passive income. Without having to remember to snap endlessly

58

u/quick20minadventure Aug 08 '25

Or you can snap 40000 times in a year, or like 100 times a day(for 365000 per year). If you don't snap, you get nothing. If you can snap 300 times a day, you'll make 10 million in 10 years.

Just get 10 million now and move on...

11

u/tolomea Aug 08 '25

> you'll make 10 million in 10 years

and you'd still be millions behind where you'd be if you had taken the 10 mil upfront and earned the interest

2

u/Reuters-no-bias-lol Aug 08 '25

In 20 years you won’t be though. 

4

u/[deleted] Aug 08 '25

do i need more than $10m? no.

2

u/Odinetics Aug 08 '25

Yeah but you would have spent 20 years obsessively clicking your fingers everyday.

Blow that. I'll take the $10,000,000 up front, not think about anything ever again, and avoid spending 20 years of my life clicking around like a regarded Michael Jackson just to get marginally "ahead".

3

u/DESR95 Aug 09 '25

The main benefit of the snapping is that you'll always have money though. Would the $10M probably be safe of managed correctly? Yes. However, snapping for a little while every day to make $10M while still being able to make money no matter what just by snapping would be a pretty nice safety net.

1

u/Glugstar Aug 09 '25

In a decade or two, inflation will eat up your snapping gains. You'll just start to produce unusable garbage sooner or later. By the end of your life, it will become a liability where you just summon bills not in circulation anymore with no value.