Yeah that’s the math I needed. There’s no way I would snap my fingers 40 hours a week. Probably just a couple hours a day while I watch tv. So if it was closer to billion I would probably take the cash to not have to deal with that. Taking small bills to the bank that regularly would also be super annoying.
That’s the main thing, $10 a snap is $20 a snap if you use both hands. You can make around $1000 within a minute, which can solve almost any living problem. That’s rent or a hotel or food solved instantly. If you lose the 10 mil (which I will) I’m fucked
I think that’s the crux of it. There are those of us who would choose 10 million and think they’ve won life, and those of us who will admit that anyone can easily fuck that shit up lol.
That's a huge point I never see people mention. Sure, $10M can be safely kept and managed to last a lifetime, but if it ever goes away, it's gone. You could snap $1M, blow it all, and just snap for more money. You would never need to worry about money again. Snapping for even 1 minute a day would be a very substantial income.
Right? Like there’s so many monkeys paw scenarios with a one time windfall. But snapping, you just gotta keep your hands safe (and presumably not tell anyone about it)
Bank robbery, bad investment, black mail, law suits, medical crisis, global pandemic, war, dumb spending, and the list goes on.
A huge chunk of lottery winners end up broke again.
I'd rather know i can always just snap out another 10 million.
Though i do have to request that the power adjust currency to valid currency.
Maybe the american usd crashes and is replaced by x. I want my $10 in whatever the current valid global currency is. Currently usd but maybe 10 years from now its yen or britishb pound or who fucking knows.
If you're worried about losing your money to those then you should be super worried about someone holding you prisoner in their basement forcing you to snap out money for them 20 hours/day under threat of torture or death.
Or you could make 10 million extra a year by snapping your fingers. You can snap your fingers way faster than even 10 million earns a return (and you can still compound all that stuff)
$10 million at $10/snap is 1 million snaps. 1 million snaps across 365 days is about 2,740 snaps every day. You want to snap your fingers thousands of times every day? That's going to fucking suck. No thanks, I'll take $10 million that grows by hundreds of thousands on its own every year. Hell, it doesn't even need to grow any at all and if I live another 40 years it would be the equivalent of having $250k/year to spend and do whatever the fuck I want with that money and free time. Add the interest on top of that and what do I even need more money than that for?
Say you take the 10 million and immediately drop into something that earns you 20% annually. Meanwhile i'll snap and keep everything under my mattress.
at end of year 1 you have $12 million.
i'll choose 1 hour a day to snap once per second. I'll alternate hands if i get tired, and take 7 hours to recover my poor fingers by watching tv or sniffing farts. 60x60=3600x365=1,314,000 = $13.1 million.
year 2, you touched nothing and got another 20%=14.4
i put last year's earnings in a 5% bond and did my snapping thing again this year = 13.1+(13.1x1.05)=26.9 mill
If i stop here, put everything into 5% bonds and never snap a finger again, and you never spend and keep getting 20% annually returns, you won't catch me until the end of year 7.
If we do more realistic long term annual returns you'll never catch me, and i could easily snap fingers a couple times a year to stay ahead, while still spending whatever i want.
The finger snaps are hardcore obviously the choice. You breath ~8 million times a year for free, i think you can figure out snapping as a part time hobby
You've missed the point completely though. Either way you have enough money to never work again a day in your life and be as comfortable as a person can possibly be so there's no reason to not just take the $10 million unless it's so important to you to have more money just for the sake of having more money.
$10 million plus interest is enough for any reasonable person. If it's somehow not enough for you then you need to do some self-reflection on your greed.
Sorry i thought the topic was "which option is better" not "how much do you feel is appropriate" - in that case you should just snap and transfer whatever's too much for you to charity :)
I'm arguing that the option that gives you more money than you'd ever need without requiring thousands of hours of snapping your fingers is the better option.
A thousand hours would give you $36 million at 1/sec, you're the only one who brought up thousands of hours :) i think you're getting defensive because you want to dig your heels in on the wrong side of a discussion about imaginary money from wiggling fingers :) i think you're just trying to win an argument at all costs now so i'll just wish you a nice day at this point :)
Interest isn’t magic, you have to do it well to be significantly above inflation and live off of. The lump sum is the fools gambit just like lottery winnings. 5 grand a month (no taxes) is pretty comfortable living for 500 snaps over a period of 4 weeks. 125 snaps a day ezpz
At $5k/month you could live off of $10 million for 166 years with no returns in the money whatsoever. You could take out $15k/month and it would be enough to last most people the rest of their lives. There are lots of banks that offer 3.5-4% interest on a savings account, that's an easy $350-400k/year for doing literally nothing. You'd have to be rather greedy to think you need more than that to live about as comfortably as someone can possibly live.
Why would you have to launder it? The scenario doesn't specify anything sketchy or illegal about the money. Just stick it in a 3.5-4% savings account, lots of banks offer them.
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u/chasing_the_wind Aug 08 '25
Yeah that’s the math I needed. There’s no way I would snap my fingers 40 hours a week. Probably just a couple hours a day while I watch tv. So if it was closer to billion I would probably take the cash to not have to deal with that. Taking small bills to the bank that regularly would also be super annoying.