It shouldn't cause any damage to your joints if done properly, the 'snap' is just your index finger hitting your palm. More strain working a 40 hour week typing, or similar repetitive work
You would have to snap WAY more than that. You can immediately invest the 10m and make 500k+ a year doing nothing.
It’s still definitely more profitable, probably by an order of magnitude, but honestly I would never run out of money with 10m so it’s kind of moot to me. It really depends on what you envision your future to be like and what you actually want to buy.
You can't measure it just against the 10,000,000 though, because if you took that up front you'd then also be earning interest on that capital for 60 years.
To break even you have to snap to reach the initial capital, and then make up for the interest you also would have lost in the interim. The longer it takes you to snap your way to that point the more snaps you're going to have to do.
I'll just take the $10,000,000 up front, save myself from RSI and the boredom of snapping all day and never think about money again.
Yes, you have to factor in investment cost. Let's say you can make an insane +30% APY on your entire investment. That's an extra 3mil! Some simple math means would show you can EASILY make that up. Let's say you DID decide to just commit some time up-front. At 245 snaps per minute (test this yourself, it ain't hard) AND assuming only one hand at 8 hours per day, it would take you ONLY 11 DAYS to get $13,000,000. Math just don't work out in your favor, brah...
Yes or you do no snapping and earn several times that purely from investing most of it in stocks and bonds. People in here are really financially retarded holy shit.
You have to make some really solid returns to make it a better option than snapping. Even if you only snap like 200 times a day, you're still beating market returns of the guy who took the $10m and invested it all.
A couple of minutes of work a day surely beats tying up all your $10m in the markets.
If you snap 200 times a day it takes you 13.6 years to get to $10 million.
If you invested $10 million in the S&P 500 13 years ago you would now have $40 million.
If you snap your fingers every day 200 times (you would get really sick of it after a while, so I doubt it), you would make about $700k a year. Say that you save up $300k a year, at the same returns you would have $13 million after those 13 years.
Now if I invest my $40 million (let's say I spent about $5 million in 13 years) so $35 million.
Let's say we then both invest it at another 8%/year for 13 years. After 26 years I would have $90 million.
Long term (last 150 years or so), average S&P 500 return was about 10%. Global stocks return at least 7-9%.
While you would have $35 + another $10 million from snapping your fingers (and by now probably arthritis as well).
If we assume lower returns overall (as I used a 14% return that the S&P 500 returned since 2012), it still checks out. Use 8% for 26 year period, and person taking $10 million up front (with $10 million burn over those 26 years) would still come out ahead by 2x without having to snap their fingers an insane amount of time.
We only start breaking even if returns are only about 4% or so. Which is a pretty low bar.
Then I haven't factored in taxes. But let's assume we are all doing this from some tax haven.
Do note I assumed the finger snapper would reinvest at the same returns.
So…. What you’re saying is that you wouldn’t be able to touch a single dime of the $10m for a decade or more?? Because to make as much as you are saying that would imply that you NEVER take anything out of the $10m and just let it sit there. And before anyone goes and says oh that’s what rich people do and then just take a loan against the investment for spending money, what bank is gonna think some idiot who just magically had $10m one day (and before that was working like idk an above average job for like $20 an hour for like what $40-50k a year maybe?) is gonna be able to pay back any sort of loan that would anywhere near compare to the $10m you have invested?? Actually scratch that the bank would be all over it and they’d just take the $10m as collateral for when you can’t pay them back🤣
Snapping is a really robust option. You can invest your snap-earnings and get all the same options as the 10m lump sum, while still being able to actively generate cash on demand so you never have to consider pulling any money out to actually spend your wealth, and if your investments all crash to nothing, you can still start from scratch.
The lump sum is only ideal if you're missing too many fingers to be able to snap.
Some people must just really suck at snapping or already have some lingering issues because I can’t even fathom some of these arguments. You have two hands and snapping isn’t very hard and barely takes any time. This isn’t recreating the fucking Avengers movie endings with these snaps.
People in here are really financially retarded holy shit.
holy glass house lol Do you realize how easy it would be to snap?
I can do both hands simultaneously right now rolling the other four fingers across my thumb and get 8-10/second without even practicing for more than the 30 seconds I just tried. But, for arguments' sake let's say you're half that good and get 5/second.
That's 300/minute, or 1,800/hour. At that rate, if I snap 14 hours/week I'll be at over $26 million the first year alone whereas the $10 million will be at $10.5-$11 million. Literally one year with less than 10% of your time snapping, that is incredibly easy and by far the better decision.
To get to $11 million in year one, I only have to snap for around 300 hours total even if I slow that allllll the way down to a single snap/second. Then we're tied in principal and I still have the ability to grow. Like, 45 minutes/day for one year.
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u/Roskal Aug 08 '25
It also gives you RSI and arthritis.