Your friend Rajid just won the lottery. You would think all of his troubles are over, but he has just been given the choice of receiving a lump sum payment of $20 million now or $1 million now, $2 million next year, $3 million the following year, and so on until he receives $6 million in five years, for a total of $21 million in payments. He was about to jump at the annual payments, but decided to ask you what he should do. With the assumption of a 5% annual discount rate, what advice should you give him?