You take the cash because that way you can make more money than the payout by the time 25 years has passed. Those who take a 25yr payout are usually those who can't control their spending, and need daddy government to control their allowance, which is not myself.
That being said, 360 million dollars is more than 100x the amount I'd need to live comfortably for the rest of my days.
It's probably 359× what I need to survive!
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