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I won the lottery and don't know what to do. I have the choice between $18 million now or $38 million to be paid in

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I won the lottery and don't know what to do. I have the choice between $18 million now or $38 million to be paid in equal installments over 20 years (starting in one year). If you were advising me which choice to make, what is the most that you can tell me

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