It is very early $($day one$)$ in January $1$ st$,2020,$ and you have just won the $($so$-$called, million dollar$)$ lottery, which actually pays you $$1,000$ per month for $80$ years. Unfortunately, it only begins paying$-$out on January $1$st$,2030,$ so there is a $10-$year wait for the first payment.