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Ten thousand today or a thousand a month for life. Never pay rent or never pay for food. Win the lottery and tell nobody, or win half and tell everyone.
The maths question in the first one catches almost everybody out — and the answer changes with age.
get $10,000 today or get $1,000 a month for life?
never pay rent again or never pay for food again?
find $50,000 you can't explain or have your salary doubled for three years?
win the lottery and tell nobody or win half as much and tell everyone?
be debt free tomorrow or earn twice as much starting next year?
inherit a house you must live in or inherit cash you must spend in a year?
never pay tax again or never pay for healthcare again?
have a job you love at half the pay or a job you hate at triple?
get everything free on Mondays or half price every other day?
lend a friend $5,000 and lose it or refuse and lose the friend?
get a raise nobody knows about or a title everyone sees?
have savings and no holidays or holidays and no savings?
split every bill exactly or always round up and never check?
buy quality once or buy cheap and replace?
own a car outright or rent one whenever you want?
have a small income you control or a bigger one you don't?
be given advice that saves you money or money with no advice?
pay off a debt slowly and sleep well or quickly and be broke?
earn it or inherit it?
spend on things or spend on trips?
know exactly what you spend or never look and be fine?
be generous and stretched or careful and comfortable?
have a side project that makes money or one that makes you happy?
retire with a plan or with a surprise?
never negotiate again or always have to?
have $100 a week you must spend on others or $300 a month you must spend on yourself?
get a bonus every year that varies wildly or a smaller one you can count on?
never check a bank balance again or never be surprised by a bill again?
own a flat in a city you tolerate or rent a house somewhere you love?
be paid weekly or be paid a lump sum every six months?
have a rich friend who is stingy or a broke friend who insists on paying?
know what everyone at work earns or have nobody ever know what you earn?
be given $1,000 to keep or $5,000 to give away as you like?
pay full price and never wait or wait six months and pay half?
have no mortgage and a long commute or a big mortgage and a five-minute walk?
start a business with borrowed money or stay employed with a safe wage?
get free food forever or free transport forever?
have your phone replaced whenever it breaks or never have it break and keep it eight years?
be the person who always organises the group payment or the person who forgets and gets chased?
earn enough to never think about money or earn less and enjoy every purchase?
have a pension nobody can touch until seventy or cash now and nothing later?
tip generously everywhere or never have to tip again?
be underpaid and appreciated or overpaid and invisible?
get a discount only you know about or a public deal everyone gets?
have your bills paid for a year or your holidays paid for five years?
have one expensive hobby or three cheap ones you barely touch?
be given a car you did not choose or cash worth half a car?
own shares in a company you hate or none in a company you love?
know the exact date you can stop working or never know but always be comfortable?
be lent money by family or borrow from a bank at a fair rate?
get paid what you are worth and be resented or less and be adored?
have an emergency fund and a dull year or no cushion and an exciting one?
save a small amount every week forever or throw in a big sum once every few years?
have your rent frozen for ten years or get a one-off payment of $40,000?
live cheaply somewhere remote or expensively somewhere full of people?
be the richest person you know or have all your friends do better than you?
get a refund for every bad purchase or never make a bad purchase again?
have a job with a guaranteed wage and no upside or commission with no floor?
split a windfall with a sibling or keep it and never mention it?
pay more tax and have things work or pay less and fix everything yourself?
be given financial help you did not ask for or be left to work it out alone?
have a partner who spends freely or one who tracks every cent?
earn well in a place you cannot leave or modestly anywhere you like?
get $500 now or $1,500 in two years?
have no insurance and excellent luck or full cover and constant small disasters?
buy a house that needs work or rent one that is perfect?
be paid in cash that vanishes or in something you must sell first?
have a birthday present worth $200 or a meal out every month for a year?
own nothing and owe nothing or own plenty and owe most of it?
get every subscription free or never be tempted by one again?
be known as generous or be known as sensible?
have your childhood savings doubled or start again with a better job?
work six months and rest six or work steadily all year for the same money?
pay for your own wedding modestly or have someone else pay for a grand one?
have an income that rises slowly and never falls or one that doubles some years and halves in others?
get $20,000 that you must spend in a week or $10,000 you can keep forever?
never argue about money again or never worry about it again?
buy second hand always or buy new and never resell?
have a job that pays on time or one that pays more but late?
be the one who always finds the cheap flight or the one who books late and pays for it?
earn from something boring and reliable or something fun and unpredictable?
have a bank error in your favour of $3,000 and the guilt or nothing and a clean conscience?
be given a cheque you cannot cash for a decade or half of it today?
have a free week of anything you want or $2,000 to arrange it yourself?
live on a strict budget you set or a loose one someone else sets?
have a house full of things you love or an empty one and money in the bank?
get every haircut free or every coffee free?
be paid to learn something hard or paid more to repeat something easy?
have your student debt cleared or have ten years added to your career at the top?
own a small shop that just breaks even or work for someone else and save steadily?
be able to see next year's prices or be able to change this year's wage?
have a windfall in your twenties or the same amount in your fifties?
give a big gift once or small ones for thirty years?
be able to haggle perfectly or never need to?
have a will that causes an argument or none at all?
own land you cannot build on or a flat you cannot afford to heat?
be paid in holiday days or paid in money and never take them?
have an accountant who saves you a fortune and worries you or do it yourself and sleep badly?
get a bargain and tell everyone or get a better one quietly?
have to justify every purchase to someone or answer to nobody and drift?
A thousand a month beats ten thousand in under a year. Most people still pick the lump sum.
No. It's a game about what you'd choose, not what you should.
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