Mega Millions jackpot tests gratification reflex

Let's say that you've won the $640 million Mega Millions jackpot. Would you take the lump sum ($462 million before taxes) or the annual payments of $25 million over 26 years ($640 million before taxes)?

Lump sum. Give it to me now, and I'll use my savvy investment skills to grow it. [120 votes] (54%)
Annual payments. Nine out of 10 lottery winners blow their money within five years; this way, I'm guaranteed long-term income, protection from market swings, and a lower tax bracket. [102 votes] (46%)
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