Bitcoin Forum

which would you prefer to receive?
a. $480,000 lottery win as payments spread over 96months(8 years) of $5k a month
b. $480,000 lottery win as payment lumpsum $480k
c. $480,000 of bitcoin at(~$24k/btc buy price recent months allocated to the donator) 20btc
d. $480,000 value house
e. $480,000 value business
f. $480,000 of gold at(~$1.8k/ounce buy price recent months allocated to the donator) 266ounce

pick one and explain your rationale..
if you pick bitcoin as first choice. also pick another and explain rationale of second choice
(im mainly looking to see people opinions/rationale on choices that are made about not option C and compared to C)

This is what I will pick.

I can not choose gold because despite that it is a store of value, it is not looking more as an investment becuase of its low ROI. For business, I can wait and later establish a business for myself, but I may choose business if the ROI is high. I can not choose a house. I can not choose lottery win.

I will choose bitcoin because of the coming 5x pump that will not take more than 2 years before it would have occured. Bitcoin may even go more than 5x. That is $2.4 million before the end of 2025.

Some people may choose business.

Option A will be my best choice. With $5,000 every month I could buy bitcoin using the dollar cost average. Option C is not my best choice because buying Bitcoin using lump sum at $24,000 is riskier than option A because the price of bitcoin cannot be predicted. Option A also gives more room for a better investment plan and reduces the risk of wasting money on luxury, losing all your funds to hacks or other uncertainties.

I assume they are all tax free.

I would take 20 btc first

I would take the business second.

The business would be a mine for btc.

I am tired and the math for the mine is long.

but a 600kwatt mining box is about 40k

it burns 12 megawatts a day. or

360 megawatts a month at 30 usd a mega watt  that is 10800 a month

a two year contract is 260000

so I am in for 300000 i get to put in 180000 in gear to bring me to 480000

I can get 100th machines at 900 i can do 200 machines  so 20ph

that earns 20000 x 0.071 or 1420 a day the ½ ing comes in 180 days.

I still have 540 days of power mined.

And I would have earned over 200000 in btc.

I need to tweak which units are best. but yeah I would take a properly setup mine.

I choose a business (with the understanding that it's a good business) consistently bringing in revenue for me every day. So, why didn't I opt for BTC in this choice? In a nutshell, BTC is my ultimate destination, and any business or job that generates income is my means of reaching that goal. Isn't it boring when you suddenly achieve your goal without any struggle?

Therefore, even though I chose the business first, I need to be able to save and manage to accumulate BTC in line with my target. To this day, I have a goal to possess 1 BTC, and if I were to go for BTC in the option you presented, what more would I need to do?

Moreover, I have always been curious about the business world which can lead many of the richest people in the world to reach their highest position.

Since I can choose bitcoin as first choice here and get option to take 2nd choice. For this I will choose Bitcoin as my first choice, and I will definitely choose Business as my source of income. Now if I had no source of income, and if I could not choose any other asset after choosing Bitcoin, then I would definitely take business as the first choice. Because investing in Bitcoin requires a long-term hold, business is very important to my daily life. I think to invest in bitcoin, first must have income source. If I had only one option to choose, now I would consider whether I have an income source. Now if I had an income source I would definitely choose Bitcoin.

I'd pick:


Simply because I would split the money and apart from buying bitcoin I would use it for other things. If I chose to pay in bitcoin, I would have to sell part of it to use it for other purposes.

No one who has responded so far is thinking of spending some of it on fun/enjoyment/splurging? You have to enjoy life a bit, especially when you get half a million quid.

you only get one win one option, but its about which preference.. i knew many would default choose bitcoin. but for those i wanted to know their thoughts if they chose something else INSTEAD

as to the rest. i want to see who can figure out which is the best deal of those options. i already have my own thoughts/calculations of them, but i want to see what others think about the options and their rationale/reasoning for their choice

By the way you have d, e , f as a very good options too that I could point to reasons for choosing or not choosing them but let me stay with the above three even though you directed picking one and explaining why dropping the second choice over the first chosen.

Well I will pick 20 btc as first choice because it is an emerging investment asset and moreover the selling price at $24k is already a giveaway with the current price of $34,337 is also on a profit of about $10,337 which is amounting to $10,337 x 20 = $206,740 in instant profit at the point of decision and delivery. That is huge investable money already which could be used to invest or buy a house.

So the other options are good too but I prefer a lottery winning paid in installment over 96 months (8 years) of $5k each year. This is already looking like a loan and with a good plan you can gradually build the fund over the years in business rather than collecting the bulk sum of $480,000 at once that could be "lavished" back in gambling or lottery. So if you have $5,000 in installment per year, you can redirect your investment to another area of business by the next installment if the previous investment or business is failing.

Most people will either choose bitcoin first or business if they know the business already and know how profitable it can be to have such business. The third that can be choosen is house which can be considered as real estate. Not advisable to choose anything related to fiat, but some people may prefer fiat lumpsum payment of the total amount because they think they can build a house from it, buy bitcoin from it and have a business from it. But if paid in bitcoin, you can convert some to fiat to have all those.

I would pick option B because with it I can get all other options with at least an interval of 1year.

With $480k lumpsum at once into my account. I can use half of the money to accumulate Bitcoin with a DCA strategy since am more passionate about holding more Bitcoins. And the other half of the money will be use to run and operate the suitable business ideas I have in mind. Not only that 30% of my profit every month will be added to my Bitcoin accumulation pattern. 45% back to the business and the remaining 20% for my personal use. Since if I have high interest in Bitcoin, accepting Option c would not benefit me because I love to hold for long. Also I have gained knowledge and had experiences that am sure with the $480k lumpsum I will have a very large amount of Bitcoin in a decade. Am certain of that.

This is what I am thinking honestly. I get a house where I don't have to rent and the value is on it and then it appreciates over time. And if I won't live on that house, I'll have it rented and then I get passive income on it monthly.

But IMO this choice is better for my condition as of now:

On these days of uncertainty, it's best to have a stable cash flow like I'll receive this amount every month for 8 years. I can imagine my life that I don't have to get stressed out living and working very hard for 8 straight years.

I can use the time that I've got from those years into doing something else which could be another source of income or hobby or passion that I want to.

Based on my experiences:

a and b would be charge high tax.
c, d, and f are similar, but the difference c is not a physical asset while d and f are physical assets.
e, it's more flexible regardless you're want to use it as a real business or fake business where you use for tax avoidance.

Since I'm not really rich, I choose option c (Bitcoin) since I'm a Bitcoin enthusiast and has more knowledge in this asset, the next is f (Gold) since it's more easier to sell than d (House). I will keep it at least for a year so it will be consider as long term asset where the tax is 0% (https://www.financialsamurai.com/short-term-long-term-capital-gains-tax-rates-by-income-for-single-and-married-couples/)

Well I will choose ''b'', because that reward I think will need to belong to me immediately and most likely I will also deduct half of the money to invest in bitcoin.

Another option that I think would be similar would be to choose ''c'', which would also sell half the bitcoin to fiat.

ok there have been a few responses. so lets dig in

lets take the 2 lottery options (tax free)
do people realise if a doner keeps the $480k nest-egg and just drip feeds out $5k a month. that doner can put that $480k into a specialist account offering 7% savings interest. which means although the receiver gets just $480k after 8 years.. the principle lump has not gone to zero. the doner get to keep $150k

if however the receiver gts $480k lottery upfront and then puts it in a specialist account offering 7% interest. the receiver, if they only withdraw $2.6k a month. will still have $480k in the account at the 8th year. thanks to interest. or if they withdrew $5k a month. they would still have $150k at the 8th year in the account

obviously taking the lump and instantly buying bitcoin wont net you 20btc at todays prices. but you may be lucky if you dont touch the lump sum and wait for a small chance of a bitcoin price crash below $24k to buy more then 20btc..
and obviously DCA'ing the interest wont net you much btc per year

..
as for bitcoin yes 20btc at todays prices is a auto-win of an extra $200k ($680k instant sell today) but also looking at bitcoin historic prices. bitcoin is still at a low compared to history of ATH. meaning there is still upside into hoarding and waiting for a multiple
..
as for business. although the business is valued to $480k, there is no guarantee the business will receive $480k in pure profit in the next X years.
with building leases, employee salaries, product costs. its not a simple profit creating system of guaranteed success
those who suggested taking a business and then using profits to DCA bitcoin. will not net you 20btc due to how long you are DCAing and the bitcoin price increasing meaning even if you got $200k post-tax profit each year at ~$33,333 btc. you only get 6btc this year. and next year get less than 6btc, and following year less again.. so never achieving 20btc.
..
as for housing
with all the legal costs of transfer and taxes of gains. and also then land/stat tax on the property. and repairs and maintenance. you better hope that the neighbourhoods market of 'comps' grows to allow you to in the future sell for a profit to cover the ongoing costs initially being paid

..
as for gold. gold is at its ALL HISTORY ATH meaning there is more scope/chance of a drop from peak. rather than multiply higher/further
and i also gave some upside wiggle room by saying 1800 buy price months ago. meaning the instant you take gold 266 at $2k would get you $532k if sold instantly. however still not as good as bitcoin which is a instant $680k sell win. but if hoarded has more change of multiplying up even higher/further

Would prioritize the business first, i.e., item "e. $480,000 value business."
Why? Because this is the instrument you can influence, and you don't have to rely on fate and pumps, unlike other items where the idea revolves around "must go up in price" :)
But the profit - it can be invested in various assets.

Options
a. $480,000 lottery win as payments spread over 96months(8 years) of $5k a month
b. $480,000 lottery win as payment lumpsum of $480k
As far as I'm concerned, they are better suited for people in retirement, when they can't manage their business and need a guaranteed income.

I choose this because I believe that with the 5k given to me every month I can freely invest $1500k in Bitcoin every month and besides $5k is 3,944,650.00 naira, so with this I can go far and achieve what I wanted in life.

I consider this other option because it's also a good means of making more money, although it's risky but still it might also be of good luck because there are some business that can give more money than another thing just like building a petrol station in a good environment or a pottery business.

I will choose option b, In this option I will receive the full $480k. I will share the money for living needs, buying a house, buying a new car, starting a business, and of course investing (bitcoin) and buying several plots of land.

I don't know if in other countries $480k is big or not. But in my country $480k is a lot of money that I can use for all the things I mentioned above

I will choose.
e. $480,000 value business: that will generated more money than bitcoin in 8 years. or maybe double my $480,000 in 1-2 years from which I can Buy bitcoin.
and c. $480,000 of bitcoin at(~$24k/btc buy price recent months allocated to the donator) 20btc.

That's my choice too. Having that valuation of a business means that business is quite big already. And that also means that it's operational and you get cost and expenses and revenue as well. Having that said, I'm able to help people that are working for that business if it means to be their boss if that's the option that I'll have to choose. All options are actually good but we have different point of view towards these matters. Some may just want to choose get that passive money for all of that 8 years but having a business that you'll get to grow could be there for the rest of our lives and not just your family will get better but also the employees that will be loyal and hardworking to that business. It is such a great feeling when you've got a successful business and you are with those people that have helped you get to the top and stayed with you through thick and thin.

If you are picking this it will surely be an investment avenue for anyone. To get such monthly is either going to be like a bonus and not like a salary and then you can use your time for other things that can also generate money for you or it will be like loan also for that long time of 8 years. This is better than picking the total sum because you might not utilize it properly.

But that time period is up to 8 years and during those 8 years USD will continuously lose value and BTC will continuously increase in price. Therefore, choosing option A is not necessarily the most optimal because if in the next 2 or 3 years the USD depreciates seriously, accumulating bitcoin will be more difficult for you. Meanwhile, if you receive 20BTC, you can also convert most of that BTC to other safe assets like gold to secure the value of your assets. Or you can also convert all BTC to USD and buy back bitcoin according to your plan.

I would choose this option first:
"c. $480,000 of bitcoin at(~$24k/btc buy price recent months allocated to the donor) 20btc",
and this one as the second:
"f. $480,000 of gold at(~$1.8k/ounce buy price recent months allocated to the donator) 266ounce"

I think those options are the most value. I can sell $480k worth of BTC, and invest in a business or collect interest for example, and I'll still have about 5.88 BTC left over.



You didn't read the OP carefully. You can't buy 20 btc or 266 ounces of gold with $480k. At least not at current market prices.

I will pick option e, having a business worth $480k is a whole lot, which I know is not a single business but comprises a whole of businesses that will yield returns daily, monthly, or yearly, depending on the businesses created.

Having a pile of businesses under my control, if properly managed well will never make me and my generational bloodline to be poor in life ever again. The business created with $480k will pass over to generations to come and profits made in the long run can be used to get myself all the mentioned options with time. If there is a need for that

There is an assurance that I'll get getting monthly payment so if I can think of that, and I am the type of lazy person that just want to live comfortably and effortlessly, this is going to make me a bank. I know that inflation is rising but that's still attainable and that amount is still quite huge.

But I am not that lazy at all as I am just giving some idea if this is going to be real thing. You don't have to rush waking up in the morning just to go to the office and work 8 hours a day and you'll go home til' dark and won't have time left for your passion.

I chose this:


For the second option, I chose a $480,000 lottery win because the payout is spread over 96 months (8 years) of $5k per month. That's because I don't know how to manage $480,000. After all, I'm afraid I'll be someone who spends money without calculating.

By choosing A, I can still use the money for monthly expenses. I can still save the rest for urgent needs, save for the future, or buy more Bitcoin.

I'm also interested in choosing option E, but I've never started a business. I'm worried that the business won't run well and I won't be able to develop it either. So that's what I chose.

For me, I will choose:
Bitcoin is the best option for me, especially since the price is still in a good area, so owning this amount of Bitcoin at the present time will be a very successful investment.

The other option for me after Bitcoin is gold. For me, I consider gold a store of value in the long term and safer than Bitcoin. The reason is that Bitcoin is still constantly volatile and no one guarantees that if the price rises, it will not fall again, and even now it is still unacceptable in most countries of the world, so the risk of owning Bitcoin is greater than the risk of owning gold.

Bitcoin will be my number 1 choice.
If I have to choose from other options, I will go with the option of lumpsum $480k. Having this much amount of cash/ fiat gives you a lot of options. I can buy a few bitcoins as an investment option and invest the remaining in a start-up. Choosing the right business through SWOT analysis can give me over a million dollars in a couple of years or probably after a year.

Gold is not an option because the price is already very high. Although it is a good option for the store of value; why store the amount when you can generate millions?   

Hard choice to make from the options here considering the weigh and how useful they can be. For the lottery winnings, receiving them as payments spread over 8 years would be more consistent and allow you to budget better and also, receiving the lump sum would give you more flexibility to do what you want with the money. As for the other options, it depends on what you would want to do with the assets. Nevertheless, I would choose gold as my first choice because it is a good hedge against inflation. As inflation increases, the value of gold tends to increase as well. Yes, I know bitcoin is a very interesting and innovative technology but a very volatile asset but Gold on the other hand, has a long history as a valuable commodity and tends to be less volatile than bitcoin. It also has a more established track record as an investment.

As for my second choice, I would choose the business. Starting a business is risky, but it also has the potential to be very rewarding both financially and personally. It would allow you to be in total control of your investment.

I want to choose bitcoin but will explore the other thing that can possibly give me more passive monthly income, since by having that $5k a monthly payments coming from lottery winnings then I can make sure that I can live without anything to worry in span of 8 years. And beside I can use some of the amount for investment so provably that will go to bitcoin trading or other physical small business that I can try to build for.

If I select the other options for sure this can possibly gone if some mistake committed so I will go on passive so that I will not get broke easily just like other sad story of lottery winners where they got broke because they didn't manage their finances.

I want to win the lottery, because in my entire life I have never experienced what it would be like to be one of the lucky ones in the lottery. Because then I will choose option B. Where I will also receive a prize of $480,000. Realistically, with this amount I can allocate 30-40% to buy Bitcoin and the rest enjoy what I want to buy and build my dream house. Sorry if this sounds greedy but it's better to be honest.

This is a no brainer for how I am and for the phase of life I am experiencing now : if it would happen to me I would also sell whatever I own at the moment and start travelling around the world.
I would  visit and stay in countries where the cost of living is very low, and there are many wonderful places to visit with such charaterisctic, will switch off my brain and just live the dream saving money in the meanwhile.

Eight year later I can start thinking again on what to do with the money I saved.

I'd choose house as it is thing most people work their whole life to own, when you own one it feels like huge burden left your head and the freedom that comes with it.

You could also rent it to make passive income with it, real estate is thing that mostly appreciates so you could sell it profitably too, returns might not be great as Bitcoin/Business/Gold but then again I'd only sell if there was real necessity.

I'll choose the first one, point a. I thought I'd take it easy for 8 years because my wallet would always be filled with $5k. I also thought about selecting points b and c. But if I take $480k straight away, there's a chance it will run out in 2 - 3 years. If I choose point c, I will most likely be anxious if the price of bitcoin drops sharply and I will not be able to sleep well. Option a is more convenient for me

well if it is 20 btc over the business choice.

I could sell 15 btc get 510k hold the 5 btc.

and use the 510k to set up the mining business that I listed before.

basically I get the same business and two bonuses one of 30k and one of 5btc.

this would be nice for me. as i do like mining.

My obvious choice would be E.
Simply because it is a business, and I am a type of person who puts of high importance of businesses. Also, I choose e because the cashflow will be in a continuum process and it will not just stop with a $480,000 because you will generate more income when you have a business. Not only that, but you will also have the chance to expand your business, and meaning to say, your income can be doubled. Personally, I think e is the best choice amongst all because you will have the full control about it unlike in lottery, bitcoin, and or gold in which things you don't have the control especially when we take about the market condition. But for me, e can be also the riskiest among the choices especially if you do not have any idea on how to run a business because there is a huge possibility that you might fail. Contrastingly, if you are a business-minded yourself, then I think e is the best choice.

I originally thought that. But frank1y said you get 20 btc and that it is worth 680.

so I will take that and sell 15 coins.

buy the business for 480
leaving me 30k
and 5 coins

at frank1y am I now understanding your choices as you meant?

Given that those 20 BTC will be worth at least 3-5 times more in fiat value in the next 1-2 years (if we assume that the halving and possible spot BTC ETF will have a positive effect), for me personally that option makes the most sense.

Another option would be a house, although you did not specify the condition of the house - because there is a big difference in whether it is a house that is relatively new and habitable, or a house that needs additional investments to be able to live in it or rent it/try to sell it for a larger amount.

franky actually gave a better argument for choosing $480K lottery upfront. No burdensome money management needed when you can just put it in a savings account that yields 7% annually. You can withdraw the monthly interest for your basic necessities and side investments. When you put that into numbers then it's $480K * 7% = $33,600/year or $2,800 per month. I bet that would be enough passive income for a lot of people.

Yes, of course I chose to do business, especially option A which was enough to make me turn away too. If I accept a business of that size, of course I will manage it as well as possible, in terms of expenses and income, it will definitely make a profit. and I will expand or add another business with the profits from the first business and I will continue to do that, with income from various businesses, of course we will be successful in financial freedom, and we can also include these profits by investing so that the money works again for us.

I got your point here but is it some type of survey I mean if yes you should pay us  :D :D (just kidding) Well, before reading the C option I was going to choose option A because Option B is not right for me, If I will get lumpsum of $480k in my bank, (which might not have that much limits to receive funds) I might be questioned by the FBR and I have to pay huge taxes which I might not tend to pay (of course giving always huge amounts is not an easy task) So I prefer A over B for tax. But I also have to pay tax on $5k but that tax will be lesser in amount and maybe after 1 year or 2 years the taxation would decrease. Currently, the taxes are so high that I might withdraw my funds at huge taxation but I still have hope that in the future the tax might be reduced and I might get more profit.

But, after reading the C option my mind stuck to it, because, if I received 20 BTC in any of my non-custodial wallets I would not be questioned by any of the government entities and I could do whatever I wanted to. For example, I can choose to trade with them, use them as my investment, can take big risks but with knowledge as we know without knowledge risks are only equal to gambling.

Well, I did not choose options D,E, and F because I don't consider them valuable options for payment and investment also. And I also have to pay huge taxes on them, I already have a house so I don't need one if I chose to rent it, it might not be a good choice currently because overall inflation is too high that people will accept to stay the night at roads but not in a house worth of 20 BTC (of course the rent will be high). 

Why? Would you give me this? lol jk. (unless?)

Of course being the crypto fanatic that I am, I'd choose bitcoin as my first choice, not only am I looking at a massive win-win cause it's bitcoin at a relatively low price point so there's even higher chances of earning more profits, there's also the fact that you're investing on a pretty safe asset like bitcoin, at least compared to other cryptocurrencies in the market. Now for my second choice, and I haven't really given this much thought unlike the bitcoin first choice, I'd say despite the precarious situation that the housing market is in, I'd pick the house/real estate property option. Recession comes and goes, but if you hold on to your properties and don't sell it off you have a pretty good fighting chance at breaking even or turning a profit eventually when the market recovers. If that doesn't happen worst case scenario, you got a pretty house to live in.

You are right and if that option becomes a reality, Bitcoin will definitely be the top choice because we are in this industry and also have some Bitcoin and this will be a great addition. And this will also be a big advantage in the long run.
And option C is also an excellent choice for a house priced at $480,000 and will certainly get a very large house. And I will buy a big house to divide into several rooms to use as a boarding house, and with this I will get income every month from rent and besides that the price of the house as time goes by will increase as will the rental price.

This depends on the person because some people are awful with cash and should take the regular option.  The other complication is taxation and how that alters the cost of each result.   That will vary by location and security, I'd take the gold option but security is a problem then and a cost.
   Property also has a maintenance cost but is a good idea for most as it immediately removes any rental cost you might be paying, it is highly tied to location for worth and add many complications in that way.   1st thing I thought of was inflation, money invested now if you can gain an inflation linked income from will be superior to all the other options but thats investment risk and a skill imo.

I'm seeing people choosing B, and I think that's the rational and conservative answer. Let's say there are no tax after $480k, getting a lumpsum would give you infinite option for it to invest, whether on cryptocurrencies, business, property, etc. I'll select the option B as well as you can diversify it to maximize the potential gains. I think the worst option in the choices is the D, because I see the house as an asset and liability at the same time, Yes you can sell the house making a profit from it but if you are planning to live in $480K dollar house/mansion get ready to spend $100k for its maintenance.

Did you win $480K somewhere else?  ;D

What is the reason for choosing the figure of $480,000? Why not round up to the nearest $500,000?

I don’t believe in lotteries as an opportunity to win and with the help of this “magic wand” solve all financial goals, but so be it, I will play your “game”.

I would choose option "b", since this is the most liquid financial instrument with which you can buy everything that is listed in the remaining points. That is, a bitcoin, a gold, or something other, like a stock in the proportions you want, which will create diversification. At the same time, you can choose the house or business that will be the most attractive and interesting, that is, according to your taste. Option "a", in principle, is the same, only extended in time and without the opportunity to buy a house or business, but option "b" “right here, right now” is still better. What if payments suddenly stop within 8 months?:)

I will choose option c. This is because there is no investment or amount of money that will give you the kind of profit that bitcoin will give you when you sell in the next bull run that we are expecting. You can sell all of the during bitcoin ATH and re-buy back the same 20btc during the immediate bear market that follows the bull run. You will take good profit and still have your bitcoin in your wallet.

Secondly, I will go for option e. This is because you can use the profit from that business to buy whatever you want to buy when you save it, and you will have regular cash inflow that will makw  you not thinking of selling your bitcoin because $480k is not a small business. I can buy more bitcoin with DCA and I can also build real estate and buy gold, all these I can achieve it as long as the business is running and my bitcoin investment portfolio is also increasing. Give me twenty years from now I will rich the level of fuck you status.

I would choose a $480,000 value business because I can also earn all of these by investing in those that you explained already ;). After doing business with $480,000 it would be really easy to earn a lot as this is a huge portfolio for me and I can start a business from the much in wherever I want.

It would be better if I could choose all because I'm really in need of this much value house and also want to store that much of the gold, but where can I find them? I would be the lucky one if I had all of these in the bank. But I can only imagine this thing because I have never seen such in my life even working hard for it.

Will be picking either C or D or F;all has/ if not assured, high chance to generate profit which would make the total prize bigger. One would be generating assured profit and that is with the house given that its value is increasing over years as a property. With Bitcoin as an investment in the choices, it could generate profit in a shorter period of time given that its market value at the present is already higher than the assumed entry price. I so like to consider E as well but a $480k worth or value of a business does not guarantee a profit ‘coz it would still depend on whoever will handle it. And with gold, there’s really no need to elaborate with this one as we all know that its price increases over years as well. It will all boil down to your preference as the one who would claim the price.

I would have chosen option E which is $480, 000 value of business assuming am someone with passion for business. And provided at present before the lottery won I have a job I'll choose option A and spread that $5k monthly DCAing by buying bitcoin for the 96months which am convinced that yb the end of the 96months which is 8years I would have made much profits from two consecutive bitcoin halving and bullrun.

My first choice will be BTC for sure but if we keep that aside I want to have number e where I will get $480,000 value business. I want to have a business at that value because I think if a business that's net worth is $480k can generate 1% of its value after omitting its expenses can provide me with $4800 monthly which I can use to buy bitcoin and gold without losing my business value. My business can grow gradually with its net worth and at the same time I can use its profit to reinvest in assets like bitcoin or gold or I can start another business.

Not a good option, the company may find a reason to stop paying, may get bankrupt and fold up, cannot take that risk.

This will be better as you will be able to plan well with it and spread it over investments like a property, bitcoins and even business.

I will not want all to be invested in bitcoins, there are many needs to be sorted out so that I can be comfortable investing in bitcoins.[/b]

What is the use having a house valued at $480,000 when I will not be able to furnish it and live well in it because I do not have the money to.

This is a good choice too because there is the prospect of really getting good profit from a business that has take such an amount to set up.

Option B is for me.

C would be a natural choice for most, it's priced at $24k so what you would receive is actually greater than $480k at the very least. If another pick, then I'd go for B. I don't really need a house and even if the price appreciates over time, having that lump sump of $480k spread over various investment options sounds much more promising. Business, well, I have no idea how that works so hell nah. As for gold, well, it can be a third option but I'd still much rather prefer the lump sum compared to gold.

I think all the options are good. Many people would prefer to receive in form of bitcoin, because we all know that the coming bull season can give the best profit to those who holding bitcoin,but I don't want to receive it in only one form. Instead of a house, business and gold, I would prefer btc,gold and other real estate investment.The main reason for this is that it is a big amount.With this money I can start my own business, and with a fraction of that money I can buy my house and invest in Bitcoin.

In our country this money becomes a huge value with which I can easily fulfill almost all the options mentioned by you. I will not go for the business and home option as I may not be able to handle such a large sum of money business and home, because managing such a big business and house will also require a lot of hard work and experience. I will never invest such a big amount in one place even if it is Bitcoin but try to invest it in different places.

Which bank gives even 7% annual interest? I know that interest rates in recent years have been close to 1% or even less and that keeping money in the bank just to earn something from the interest did not make any sense.

I still think that 20 BTC is a great offer at this point, because I have no doubt that it is the fastest option to double that $480k, and probably more than that.

I'd say I chose the letter E.

480k$ value for a business is huge. It means you can also generate a good amount every month. Considering you handle/manage the business well, the earned profit can also be used in different types of investment. Whether you expand the business or build another business. Or if you are more into Bitcoin investment, gold, or even real estate, you can expand your earned profit by using it on other types of investment that can give you more in the long run.

I choose option C "$480,000 in BTC"

Now let me explain why. Option-A is bad because you lock a huge money for 8 years, during this period of time real value of each $1 goes down (due to the inflation). Therefore, as a result, after 8 years I will have less purchasing power with $480k. Option-B is similar to A, you receive fiat, in each country process of getting money differs, but it doesn't change the main point, except the tax on the win you also may receive some extra attention from the media, because of the win in the lottery, what is not good for obvious reasons. Option-D also has many drawbacks, in some countries after you have sold the house you need to pay the taxes on the money that you got, and the most important - your house might cost $480k because of the bullish housing market, but when situation returns back to normal, you may loose XX% of the house value + it takes time to sell house for a good, fair price. Therefore, as you see, here is loads of work to do before you get your money. Option-E is also bad, because there is no specific info about type of business, explanation of reasons why business worth $480k, maybe it's due to raw materials that it has, which might be not liquid enough to sell them and get cash. Also business requires good management experience in the industry in which business operates (possibly you get the restaurant business, but you do not have any experience in that field and here appears a big chance of ruining the business and therefore any another option from the list makes much more sense). Option-F with the gold is also not the best, but probably second I would choose. Gold is established asset with high liquidity, but it requires some expenses related to storing it somewhere (in the bank for example), therefore you need to choose what to do. First option is to sell it, quickly get the money and start thinking what to do with it. Second option continue storing it, but with expenses, which you will not have if you choose to hold Bitcoin. That's it, I think. My option-C gives huge range of choice, you may quickly sell some/all BTC and get your dollars (by the way, you can even cash out anonymously what is difficult to do with house, gold, lottery etc.), you also may continue holding it without any expenses related to its storing. So for me option-C is definitely the best.

With the way cryptocurrencies are currently influencing the world, choosing $480,000 worth of Bitcoin is very appealing. Given the remarkable growth rate and high return potential demonstrated by Bitcoin's past, a seasoned investor would not take this opportunity lightly. It's evidence of the adoption of decentralized finance and the move towards digital economies.

Nevertheless, I would support the $480,000 value business given the request for a backup option. The reasoning is straightforward: a business may be a sustainable asset and offers a steady stream of income. It is a physical thing with room to grow, room to expand, and steady income. In contrast, there is an attraction to Bitcoin, but in order to succeed, a business permits direct management and manipulation of assets.

banks? .. you'd just leave $480k in a normal mainstreet bank account..? dannnnggg..
no, the 7% is fair interest in an investment portfolio account

and yes 20btc is best option. but as stated in my posts its too obvious people would pick that. so for those that do. give me reasons for a second option

i have read some good reasoning and many bad.

Quite an interesting choice, but I am more interested in choosing the fifth point, namely "owning a business worth $480,000" because this is my personal dream. Having a business is not just about profit, but by having a big business we can provide more benefits to other people, such as opening up jobs. I am very aware that currently the job market is very difficult, and I have experienced this, spending weeks looking for a job and I think that with the knowledge and relationships I have, it can make it easier for me to find a job. However, in reality "relationships" alone are not enough because in reality there are no people who really care about being able to help me, so this encourages me to be able to have a business that can not only generate profits, but the business can also provide benefits more for many people.

In 2023 a lot of commercial banks in my country were giving ~7% yearly interest on local currency.
Just the inflation here is significant and the yearly interest for EUR and USD were going at 3-4%. I know it's not franky's 7%, still better than 1%.
(I will add that afterwards one has to also pay tax on gains, but I guess that it's the same everywhere).


I can't argue this rationale  :)


Afaik in Europe it's not unsafe to keep max 100k in a bank; of course, you will have to spread the money between multiple banks...
I think that the worse part is that the interest offered by banks is lower than what the real inflation is getting away. And knowing this plus being familiar with bitcoin... makes it indeed Bitcoin be the only viable choice.
However, if I'd be in the winner's shoes I would probably not have those multiple choices; but it's OK, I'm not picky :)

Option C please,  in the long run that 20btc will be enough to buy a value house and also start a value business.
What need to be done is to work and improve on the measures with how you store and secure such amounts of Bitcoin. Get to understand seed phrases and what would lead to your security and privacy.

20btc is something you should just hold and forget not to think about the rise and fall of the price. This is same amount lost by Drake during the last bet he lost.
A valuable business too will make you that 20btc so that will be the next option to focus on. Option E

I am definitely going to choose option d. Here is why. If I get a house then I can rent it for passive income. And whatever I get from it, I can easily spread that money to different investment. Diversification is the key. I know it is a Bitcoin forum and people will most likely choose option c but if we look at the bigger picture, I think option d is the best one.

You are getting a passive income monthly by renting out your property/house. You can do whatever you want with that money afterward. I can invest into Bitcoin, I can invest into gold and I can invest into business. Lottery is based on luck. So that's not something I am worried about. And I'm never going to choose that. When we have a constant flow of money, we can take risks that won't be possible with other options.
Maybe I have a fu**ked up mindset, but this is how I think. When you have a roof over your head, you can achieve other things and you won't have to take that many risks. I don't know about this but you can share your opinion on this. I'm open to suggestions.

That's the one I will choose. Of course, my first choice is (A) because, from what I see there, I will receive $5,000 every month. With this concept, I can handle the money fairly well because the full value of my winning prize is limited. Rather than being able to handle the money in full right away.

Because when you are the person who is not aware of financial literacy and lacks knowledge about it, you might just waste your money in no time and be like others who just spent the money on useless things. In the second choice, your future is secured when you have Bitcoin, let's say 10 bitcoins you hold for 10 years. For sure, it has a high value, and that's a big deal to us.

You can be happy that you (still) have your national currency, wait for your country to join the Eurozone and then things will change (not for the better, of course). I've only found one bank that gives 3% interest, all the others have below 2%, and it still seems completely pointless to keep money in bank.



And yet some members decided for some other options, and I believe that most of those who chose BTC would change their decision if someone physically presented them with $480k in cash and the option to give their BTC address and get 20 BTC. If people on the bitcointalk forum don't want 20 BTC, those who know a lot less than them certainly wouldn't even consider such an option.

Well... When you lease your house to someone, quite often people who rent it might treat it badly. I know people, who owns a couple of houses/flats and lease them, and I was very shocked when heard from them, that they regret about investing capital into living houses. Loads of people who rent houses after they moved leave after themselves many work to do, starting from repairing basic goods in the house, finishing buying new beds, sofas, cutlery, tables etc. You may say "Sue them!", but remember that it also costs money, time, nerves, therefore it's often cheaper to buy new things into the house or repair something. And as you see, option with a house has many indirect costs, which definitely are much worse than benefits. Therefore, I believe that investments into real estate makes sense only when you buy buildings which can be leased to the businesses, because as guys has told me, businesses pay more for the rent, make renovation by their own and clearly understand that in case if they damage the building they will pay for it. But I understand your view point, it still makes sense.  

Among the listed those take time to matter, BTC is one of the volatile choices, and at the same time based on your choices its the lowest price of the market right now, and during this state of halving we are experiencing another bull run of this year of 2025, its good accumulate as possible. With the option, a and b takes too much time before you get your reward, with the d the real state now will depend on the location so theres no assurance that you will get a good position of the house, with the e. still good because if the business becomes a trend you can have a good cashflow with the f. im not a fan of gold it takes a lot of years before you feel your profit. So the choices here is C for geting volatile and D for the long term.

Well you are actually right, some of the list options will require patience since it's a long term reward, but if you are not patient enough to wait for the bull run or long term like for the A, B and also C, then other choices would be good. For me, I personally pick D, cause prices of housing here in my country is really pricey, even what kind of location the real estate located, but of course tourist spot would be expensive which is good for investment where you can open up businesses or open for rental spaces. If D is 480,000 value house/s which more than one, because with that amount I could already buy more than 10 houses here which I could open up for rental spaces. By that I could have passive income and whenever I got profit, I could just simply invest again in Bitcoin.

I don't agree with this. Everything meaningful, from cars and houses to even mobile plans have the prices calculated in EUR and converted to local currency.
So all we get is the bigger inflation. Thanks, but I prefer EUR in this case.
As I said, whether the bank gives 2% or 7%, that is still under what the inflation takes away.


Good point. But you're only partly right. Actually I thought also of choosing fiat if it would all come now into my account untouched and without taxes (and others too tried a similar rationale). And the reason is not the lack of trust in bitcoin, by far. It's that:
1. I would use some of that fiat to pay my debts first and only the rest I would convert into bitcoin. I find this easier here than getting 20 BTC and selling some of those for paying the debts.
2. Since it's a lottery win, KYC will be there anyway, so, for tax purposes it may be better to have those bitcoins bought. That afterwards I mix them before putting them into cold storage, that's another topic.
But since the money was not coming like that, the fiat options are "sub-optimal".

Well that's not the case where I live. If you rent a property / house, you will have to pay any kind of damage or alternation you do while living. And when you were ready to leave, you will have to pay the required amount to fix those damage or make the house as it was previously. And here we don't provide renters with furniture or other stuffs. When you rent a place all you get is an empty house except for things that are required for the house owner to provide. That includes kitchen accessories, sink, water tap, etc. Bathroom accessories like glass, hanger, shower head and things like that. I am including those because those are minor fixes that does not require a lot of money. I have lived in four different houses. Every time I left them I paid a certain amount of money for the damage I have made. And that's all.

Also, the fact about land. Even if the house is gone, the land is still there. I don't know how do you think that it is a bad idea to invest in real estate. Even if we provide the renters with something, we can always fix or replace that thing which should not cost that much. You still have the house, you can fix it or you can rent it to other people for living there and fixing the damage on their own for a little bit of cheap rent. Both ways you win.

I’d take Option C because that $480,000 worth of bitcoin will be worth millions in under 3 years (if we take the price of one bitcoin at $24,000 I am almost certain it’ll be worth over $100,000 per coin before 2026).
If Option C was unavailable I’d take Option A because $5,000 per month for 8 years would be nice.

I see, it's quite interesting to learn about such nuances in different countries. In your case it definitely makes sense. Also I liked your point about land, for some reason I forgot to mention it in my answer. Anyway, I agree with you, that except some hard work related to the house, you also have some significant advantages.

Receiving 5k a month would make it impossible for you to invest in a big project where you'll need a lot of money at once.
Also, the more you earn monthly, the more your needs increase and it would get to a point where $5k a month won't be enough for the month.

My first choice would be option B.
With $480k I can do a lot. I won't be investing all that in Bitcoin and that's why I wouldn't option C is not my first choice.
I can invest in various things, including Bitcoin. I can buy 6-7 Bitcoins and hold them for a long time. I might see 4X my investment in 2 years.

I don't know the type of business so I won't be going for option E. It could be a very high-risk business or a business I don't have a good understanding of. I might end up running the business to the ground. I'd rather take the money and start my own business that I have an understanding of.

$480k worth of Bitcoin would be my second option.
I can sell half of the 20btc and use it for other investments. It won't be prudent to leave all my earnings in Bitcoin knowing how volatile Bitcoin is.

$24k/btc and then I'll sell some to make the business ideas on my mind into reality. Obviously, I have already got $10k/btc profit if that's the price when it was given to me. That's an easy choice when you want to hold Bitcoin and also make some profit out of it. The other choice gives you the financial stability and that's going to make you set for life. But I think this is also a good choice, if you believe that Bitcoin will be bigger someday then you'll make more from those options and you'll have a better life than the choice of others if you're good at handling money. That means that your take-home pay is higher than the rest because the price of Bitcoin has gotten bigger and you'll have more capital to start with if you trying to build a business.

I'd definitely go for the lump sum of cash, just because in my country at least there would be no tax on it, but you couldn't say the same if you were American because they get hit heavily for "gambling" related winnings. Option A looks appealing until you realize that the lottery, after inflation, are winning big by spreading it over a longer time period so your winnings will be worth less. The other ones are appealing as well, however cash is king really and if you wanted to be sensible you could diversify into a bunch of those different assets but possibly keep the bulk of your money in a more steady investment like an index fund. It will also depend on how you see the economy of your country and the world going in the next few years whether you want to invest it all.

That's a bit strange to me considering that I know that your country is not in the Eurozone, so why express prices in Euros? My country entered the Eurozone at the beginning of this year and the sellers took advantage of that and increased all prices considering that the conversion ratio was 1 EUR -> 7.53 in relation to the local currency. It was only after about 8-9 months that the government took action and returned part of the prices to the values they were at the end of last year, but we were literally robbed during that period because some prices went up over 100%. I believe that every country should have monetary sovereignty and thus be able to deal with its problems, and not that one center of power decides everything.



I understand that tax plays a role for some, but if I were to receive that amount in cash in a bank account and it would be the winnings that arose from winning the lottery, I would have to pay the maximum tax rate of 30% (which is the highest rate considering gain). On the other hand, if the winnings were paid out in BTC, and that would be something that the state would not have insight into, then I could sell that BTC without doing KYC, because that is still an option for me, considering that transactions up to EUR 1000 can be conducted without KYC.

Although we are talking about a lottery win here, not every such win has to be KYC, because if we take into account freebitco winnings (weekly or monthly) you get them to your BTC address, and I certainly wouldn't report a $200k win, because 30% would go into the pockets of corrupt politicians.

Because this way they don't care about the local inflation. Plus they can earn some extra, since in many cases they ask for the price in local currency at national bank's conversion ratio +some% (to cover potential loses and actually get even more money from the customer).


As you can see we here are robbed on the daily basis for many years. And the government, after wasting (and obviously stealing) much more money they should have, now they rose the taxes too.


I guess I've said it wrong. I was thinking on that money after the necessary tax being paid by the lottery company.
And here I have to pay tax for all crypto gains if I do transactions of yearly total exceeding the incredible amount of... 150 EUR. And one transaction doesn't have to be bigger than 40 EUR.
I guess the sun would turn into supernova before I'd spend here those 20 BTC without tax :D


I like the way you're thinking (and I see your politicians are not even as bad as ours) but I expect the legit casinos might report such wins. And will most probably not tell whether they did or not.

Yeah, it's like a dead elephant. Even if it's dead it's worth a lot. You win in both cases. And when you have those kinds of advantages, I'm going with the option d. It is the best in my opinion. As the owner you rent out the place and just do a little bit of maintenance every now and then. That's all it takes to be a house owner here in my country.

There aren't any passive income as easy as owning a house. But as you explained earlier, The story is different from place to place. Maybe in my country it is a good thing for having those advantages. But it could be a pain in the ass if you are from a place where you have to do most of the hard works and pay for everything. It is also a pain here too but not in traditional houses but only in hotels. Rather than owning a hotel I would prefer a house for sure. In a hotel, people stay for few days or hours and they damage all the shit they want and you are the one who will have to pay for that. So that's not a very good business idea. So yeah option d could be favorable based on places and rules and regulation that place have.

I'd go with option B (the $480,000 lottery win as a lump sum payment).
Here's my rationale: First, opting for a lump sum provides me with the entire prize amount upfront. This instant access would be great for investments, paying off debts, or making significant purchases. Seconddly, with the lump sum, I will have the flexibility to invest the full amount in different places, which could potentially earn higher profits than what I might get through the other options. It'll allow me to set my investments to my financial goals and risk tolerance.

Now, if I were to choose a second option, I'd go with option E, the $480,000 (value business).
Here's my rationale for this choice: Owning a business can provide a consistent source of income and opportunities for expansion. It'll give me an opportunity to be actively involved in the business operations or even to hire professionals to manage it. It's an asset that can really be appreciated in value over time, and I'll have some control over its success through my management decisions.

If this is an offer coming in right away, I will gladly take Bitcoin (option C) because already there has been an additional profit with the current price of Bitcoin, and also the Bitcoin halving period is approaching where the market gets bullish, and if in the next bull market (2024 or 2025) Bitcoin gets to $100k, that's going to be $1,520,000 in profit, and the $480k initial capital total is $2 million in just 2 years. That's a lot of profit, and I believe from your list that Bitcoin is the only asset that can generate that amount of profit within a short period of two to four years.

The second option will be E, if I have a business value of $480k, as long as it's a business that falls into the category of the kind of business I want to establish—a business of things that are usually needed by people on a daily basis, like food. With that great sum as my capital, I know I will not earn less than $8k in a month, or even more than that.

This is what I prefer. Receiving $5k a month (for 8 years) is more than enough for our expenses and needs monthly. Therefore I can use the excess money to save and invest in Bitcoin through DCA strategy. Moreover, I'd like the idea that I don't have to worry monthly on where to get the money needed if my salary (in my day job) is not sufficient to cover the expenses of our family since there are times there's an emergency.

Thus, when 8 years are over, i'm confident that before it happened I already made a decent amount of savings and various investments to secure our future. For me, that's the option that suited for the personality that I have.

This would be the choice for me. I believe it is better to have the money at hand and then brainstorm and decide how you want to spend it all. The first step for me with the money would be to start a business, a medium-scale business that will keep generating enough revenue for me to keep upgrading the business and turning it into a large-scale business and hopefully keep building other assets with the revenue that the business generates over the years it runs for.

I will invest some of it in Bitcoin and other cryptocurrencies if the market is down and I know there are high chances for it to enter the bull run in a couple of years or so. If I still have money left, I will probably buy a house to live in instead of renting a place which becomes hectic at times and you can't make any changes or make it look how you like it.

I would pick option C and my second choice is option B, option E is a no for me as I would not know anything about that business, option D would be a house that is too expensive for me, option F is great but then I will need to find a way to store that gold securely and I already have enough with my bitcoin, this leaves option A and B, but due to the inflation it is a better option to take the lump sum of money, also this choice gives the greater flexibility out of all the options you gave us and I consider this to be very valuable these days.

Since you already mentioned that if anyone choose Bitcoin as the first option, he can choose another option, so I will choose those twenty Bitcoins first. After all I think currently is the best time for buying Bitcoin. The Bitcoin halving is currently in the corner, Hopefully investing in it will double the fund very soon if bitcoin atleast touch its all-time high price. After then I will select the business as the second option. Because it will continuously generate a revenue and profit. Moreover, if you get a business opportunity of such a big fund it will be stupidity if I didn't take the chance. Moreover house and others things can be made after that.

What if bitcoin price fails to rise and falls below 24k$? There is no certainty that bitcoin will increase in price and double its profits. Next, the business also has no guarantee that it will continuously bring you revenue and profits. If doing business was that easy, I think everyone would do business instead of working for someone else.

Choosing 20 btc is a smart choice but don't think there will be no risk, and only think about profit and profit. When doing anything, whether investing or doing business, we should consider risks.

It only takes patients for btc price to appreciate again after it drop and you either have the chance to exit at your buy price or you DCA for potential profit. Bitcoin is highly volatile and that is why most choice have gone for bitcoin. It is also a hedge on inflation so whichever way you look at it bitcoin will still stand the taste of time. If you also go by the history of bitcoin, it has always gone pass the previous ATH , that shows it is an asset for the future and will keep appreciating in value after every halving.

I will take Bitcoin first and then the $480k lump sum of the lottery. We all know Bitcoin is the best investment option, and it's definitely a better asset than anything else, so I chose Bitcoin as my first choice. Then the lottery is better than the monthly income because monthly you will only get $5k for eight years. No, man, it's ridiculous because of inflation; even your salary will cover the inflation. The business is a good option too, but I don't have any plans to do it, and without a proper plan for what to do and when to do it, it's really not a good choice for me, so I skipped it. And the gold and house are like liabilities for me, so no.

At the moment all of my little savings monthly go to bitcoin and sometimes a part of them on altcoins. So definitely I am choosing C or $480k worth of bitcoins even at the current price which is still around 50% below its previous all-time high. But I might sell a little portion of it and convert it into Ethereum and some other altcoins. I will also end my monthly DCA on bitcoin since I have enough.

The second option would be $480k lumpsum. With this amount, I will increase my monthly DCA on bitcoin and some altcoins. Say $50k monthly on bitcoin and $30k on altcoins. I'll stop when bitcoin reaches $50k or once I no longer have enough funds.

Business and other types of investment only follow by the year 2026. So I'm still sticking to my earlier plans even with the lottery winnings.

I would choose $480k worth Business.

Here are my thoughts about it:

1. If business is getting valued at 480k from its initial foundation then it has definitely shown some serious roadmap and that’s why its evaluation is worth it.
2. I will have perfect skeleton of business with all operations as it is so I can continue to grow it even further.
3. I will invest the upcoming profits immediately into diversified portfolio such as Bitcoin and share market so that I can make it even more valuable asset in the future. 
4. Based on the valuation in next 10 years I can either keep running it or just hand it over to my children to take over and get handsome retirement.

I would choose option B


The first option is the worst because it will be eroded by inflation, the value $5k per month we will received receive 8 year later is less than the $5k that we received right now. The other option doesn't give me choice or required me to sell the assets to allow me to diversify portfolio. A lumpsum payment will make it easier for me to then diversify it into several assets. Bitcoin, gold, .etc.

I'd want option B. I consider myself to be pretty good that managing funds, so I'm not concerned that I'd overspend it or something. I'd get the fiat because this way I wouldn't have to prove where the funds are coming from in the future, and it's money that can be used directly, unlike Bitcoin which would usually require additional effort to sell it. But I'd put, say, 20% of it back into Bitcoin for long-term holding.
It's interesting to go through responses and see how people think about it. It's also not a bad idea (as the op suggested) to put up the money for interest rate in a bank, since it's a very big sum.

I prefer this one and I will invest 5BTC into silver and gold coins or simply precious metals and another 5BTC for real estate property. The remaining 10BTC will be my long term investment for future purposes.

I am free of taxing on my bitcoin purchases so I will go with using all that money to Buy Bitcoin, its lottery, something I won base on me getting lucky, this is the perfect money that are good for taking risks isn't it?

Since I have other means of surviving financially I don't have a problem using all that money to buy Bitcoin and moreover now is still a good time to invest in BITCOIN and its slowly getting too late but still good timing, by next year third quarter I could be up double in ROI already.

I don't do much of lotteries myself because I just don't like the idea, and I do gambling only when I feel like, I can wait months to gamble again, it's not a must for me.

I will prefer $480k of BTC because, I have the knowledge and I know how to use it to bring more money that will increase my capital in the future. Since the price of BTC is heading to were investors will get double profits from their investment, any moment from next year and it will help those that will make $480k their choice to invest everything in BTC investment and hodl like 1 or 2 years before they will release them for sale and by then the price of BTC will nearly hit $100k .

Not that gold, house, and business are not good to invest $480k but it will take a long years before you will begin to see little profits from the investment but if you invest it in BTC in this bear run, I think it will not take you more than 3 years before you will make huge amount of money from the investment.

I think I would get lump sum of 480k, which opens up anything I want to do. I mean it covers literally every other option, if I want to then I can do it. The logic here is that 24k per bitcoin so 20 bitcoin part is weird, if we get 20 bitcoins then it worths 800k right now, so I am going to ignore everything else and just consider it 480k worth of everything. In that regard, if we say that it's all worth 480k, then I would just take the cash all in one and decide what to do later. I want 5k per month? Put your money in interest and take out 5k each month, I want bitcoin? I can just buy it, I want a house? I can buy it, I want a business? I can buy or build it, I want gold? Just go get some.

When you have 480k in your bank account in lump sum, then you can do all the other stuff you want and that's why I like that option a lot more than others. Plus, with 480k, in my nation, you can live until you die without ever working, that's way more than retirement requirement, you can retire easily with that, I can live with 2k a month, 24k a year, that means 20+ years with interest it could be like 25 years.

I will choose B with a lump sum payment of $480K.

Of course by choosing B we will be charged a higher tax maybe above 20% for me it will not matter I will still get a large enough amount in my pocket.

The reason is because with $480K and then cut taxes, let's say I receive a net of $400K I can still buy some bitcoin, buy the house I want and continue to build a business with the money I have, of course there is still a remainder so it will be saved as a reserve fund, emergency fund and other needs.

Neither gives a yield or cashflow which is a problem for most.   Silver and gold are decade long plays, not practical to hold especially by themselves and I often think of BTC in a similar way to begin at least.  Its surprisingly hard to build a valid safe way to gain a yield off an investment without relying on simple interest placed a deposit somewhere etc.   You can lend the BTC out personally and gain a return on each contract to lend but thats definitely work and risk to transact not easy to do.
  Alot will disagree and its not without risk, probably far more risky but as gold is a valid longer term play I think also the mining firms or just a fund of those firms is a valid play but thats not always with a yield some stocks will.

Anyone who knew what bitcoin could do will choose the bitcoin option all the way, in a few short decades your money could easily multiply manifold without you even having a single thing to do about it besides watch the market closely and time your buys. Although the other options that do not involve winning the lottery aren't so bad either. The housing market could collapse at any moment but either way you have a roof above your head which you can rent out if you already have one anyway, and still earn dividends from. Gold isn't a bad option as well since over time gold has history of increasing in value so it's not like you're at a loss with that particular asset. So yeah, everything that doesn't involve you getting taxed so much like winning the lottery is good enough.

Honestly, I prefer to choose more than one and if that is the choice then take a chance on Bitcoin and business, the reason is clear that both options have a good process in the long term as long as we are able to run them correctly. Because if you just choose but don't know how to develop then in my opinion it won't give you any results. Bitcoin can increase over time but people need to incur additional costs to continue increasing the number of holdings and the business can also generate huge profits if run properly and appropriately.

Simply put these two choices are far better to choose because there are opportunities to generate profits in the long run. But unfortunately we live not a matter of choosing, but how to create these opportunities become more tangible in our life and how possible this can be reached by many people when talking about options.

I would choose  $480000 worth houses that will give rental income to me . In my point of view, if I have a house to rent then I will get  a fare that is stable income firstly. Then I will invest in   Bitcoin  , the future of Bitcoin is very bright and in future Bitcoin will be part of our life and people could pay any bill by Bitcoin .I will invest in Bitcoin for long duration and in my opinion it is safe and I will get a huge amount of money by this . My third. Choice is $480000 of businesses.I know about business good,So I want to invest in businesses.I am a big fan of Robert Kiyosaki and I read his many books in which he taught how to invest in businesses.

Let's say we adjust the numbers to the current rates.
I'd choose c (even at current 42k) and here's why.

a. -usually if you spread the win over x years you get the full sum and a lump sum gets you only 75%. You made both these the same numbers, so it's simply not worth it to take "a"when you have "b." If you ask someone if he'd like $100 now or $10 now and the rest divided to $10 a month, I bet you $100  that out of 10 random people nobody would take the second option.
b - In my country you can't declare bitcoin for tax purposes, only fiat money and when you exchange bitcoin to fiat you need a proof of funds. So, if You receive bitcoin, you pay nothing and can later spend that bitcoin within the lower tax bracket. You can't do that with fiat money and if you get $500k, you'll pay close to $200k in taxes...
c- by far the est option. Not only it allows you to profit from a coming bull run, but also choose how much tax you'll pay. Even if you decide to spend some of that at current price with no profit, if you stay below a certain amount (~$50k), you'll only pay 20% tax, when compared to 45% if you accepted all that in lump sum fiat money. Also, I'd have an option to move to a more lenient country to sell with no tax and I wouldn't be able to do that with fiat.
d- a house costs you money to maintain and a $450k house isn't something cheap and easy to rent out. It may take months before you find a tenant. Also, selling a house takes time.
e- I have no time to manage a business and I may have no knowledge in the field of that business. Let's say you get a beauty salon, or a  restaurant worth $450k. I wouldn't know how to run it.
f- Probably second best option after C, but it's much harder to move around and sell. If there was only fiat money and gold to choose, I'd get gold, but since there's bitcoin...

i might have said things before but lets summarise

a. taking a lottery win as $5k for 96month
what some do not realise is if a lottery commission keeps the $480 and only gives you $5k a month ($60k a year) you are not realising that they have put that money into a account earning 5% interest. meaning it earns$24k a year. so when they pay you $60k they are actually only paying you $36k of the lump
which after paying 96 payments of $5k leaves the lottery commission with $126k to keep as profit

b.
if you take the lump and invest it in some account that offers 5% you can claim the $5k income and still have $126k after 96months
                                                             investment that offers 8% you can claim the $5k income and still have $239k after 96months
                                                             investment that offers 12.5% you can claim the $5k income and still have $480k after 96months

c. is obvious, taking what was $480k in bitcoin (20btc at $24k) is now 20btc=$860k

d. houses have ongoing local state/council/land tax. maintenance and other bills like insurance. so its not a straight forward sit and wait for better market valuations

e.businesses have ongoing costs too. supplies, labour and advertising and leases and insurances

f. gold is near its all time high so has more chance of correcting down rather than continuing up

Ultimately one main deterrent exists to long term dollar in that the value is totally sure to decline and so you do not want to expose yourself in that way.  Your pension is already due to arrive in greatly reduced dollars by the time you spend it, don't duplicate or increase your liabilities in any way a plain citizen is already exposed to.   Some people with alot of assets but also debt can say they are hedged vs dollars losses but this doesnt apply to most of us .

(8 years)  of inflation at 10% is a ton of value lost in those dollars received.  It would reduce the per month amount of 5000 to 2152 dollars after 8 years of value lost.

it wont reduce amount to 2152, it will just men what you buy with 5k in 8 years is the number of goods 2152 buys today

might be best to use real numbers
year          interest   from 5k
2015   0.12        4994
2016   1.26        4931.08
2017   2.13        4826.04
2018   2.44        4708.29
2019   1.81        4623.07
2020   1.23        4566.20
2021   4.70        4351.59
2022   8.00        4003.46

so 5k today only buys $4003 amount of goods at 2015 prices

I would only choose that option if it is a few houses and not a single one. I would still prefer bitcoin right now to be fair, all 480k worth bitcoin at this moment, but if I assume that I want a house, I would get a few of them and not just a single house.

Reason for that is the fact that if you have just one house, that means you need to find someone who would rent a 480k worth house, and even though you may, the moment they get out you start to look for one again. Whereas, if I have like 4 houses worth 120k each, or even 8 houses worth 60k each, that means it would be fine, if one leaves, you still have all the rest paying you, and you will end up finding one without getting too much financially left hanging. That is why I would prefer a few houses, and not just a single house.

Inflation is an uneven thing to measure, no doubt some things are cheaper now not more expensive.   The statistics accounts for improvement a bit like an insurance process might in replacement, I think its called hedonics (https://www.investopedia.com/terms/h/hedonic-regression.asp).    Anyhow I dont disagree on referring to figures as it helps removes bias, my view of inflation will vary from you or anyone depends how we spend our money etc.
 I'll post the figures but inflation in 8 years from mid seventies to mid eighties worked to roughly half the value of money at that time.   People suffered greatly from what I've heard, our oldest living President but also a 1 term president is largely for that reason of poverty in the population that might elect him they chose not to a 2nd time.
    So the rule stands today, in great strife 1 term president becomes precedent :p   Trump had the pandemic regardless of what else you think of him, to be put out of office was quite normal.    Can we say the same for Biden I would guess not exactly but inflation is an ongoing threat imo re OP proposition.

https://www.investopedia.com/terms/h/hedonic-regression.asp

i agree going by strictly "inflation" official numbers doesnt help

for instance canned food in a supermarket here was £0.50 average just 2 years ago. where as this year its £1.50 so a 300% rise instead of the stated 12.7% (4.7+8%) official stats
car fuel went from £1.30/ltr to £2/ltr to £1.49/litre in 2 years. so again official inflation stats dont always correspond to real world spending of particular things

I would choose option E, a business, well, simply because if I have a business, then I can guarantee a lot of years of having that business and continuous profit if only I handle the business well. But yes, there is a risk in business or owning a business, but it's worth taking the risk and making it happen. You see, in other options, I will get a certain amount of money and a certain period, but what if those periods? In the end, I will have nothing to save up because of the expenses. So I would rather choose the business so I can have a long-term money profit; in short, I will think long-term. With a business, I have the possibility of growing it into a successful business, and it will also give me long-term wealth, which is more practical to choose and it will give me a long term opportunity.

"guarantee"   "continuous profit"  HA
usually someone selling a business, means there must be a reason why they are selling it. getting a business is not a sure thing, sometimes you end up having to invest alot more money to bring the business back into modern standards/profitability

its like real estate.. many people that do them lotteries where the lottery commission award a house. the recipient then cant afford the legal fee's taxes and modernisations to make it fit to break even/profit. yep alot of people end up just selling the house/business because managing it to make it valuable is too much cost/effort. so they sell it to pass the problem onto someone else. sometimes selling it below value just to get rid of the problem

This one is right, a business doesn't really mean anything at all, you may make a lot of money and I mean like millions one year, and then be bankrupted and close shop next year and we have absolutely no proof that would change at all. I believe that the best thing to do right now would be making sure that we are dealing with something that is guaranteed.

Like a house for example, a house is always a house, it's a house when there is inflation, it's a house when there is an recession, it's a house when you are rich or poor. That's just one example, bitcoin is the answer for me, I would love to get it all in bitcoin because I trust it more than anything else, but that doesn't mean I am right, it just means that is what I would prefer.

a house is a house until its condemned by the state, or its part of a HOA that have maintenance costs which if you dont keep it presentable they can take you to court and put a lien on the house and take it. or if you dont pay the land tax. or there is a storm that damages the house

even a house is not guaranteed profit, as it has ongoing costs. many people tht win a house in a lotto then cant afford the up-keep costs so end up quick selling below value