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But you don't have to agree with me. Any choice one makes is the correct choice; it's merely personal preference.
Yes, it's personal preference. I'm not arguing against anyone, just against "facts" I believe to be unrealistic.
I'm not sure if there are reliable portable IV, and if they are, they won't be small enough to be hidden. Having that kind of money but holding a "plastic bag" and needle stuck into your forearm at all the time. I rather not. I don't think many people would love this as well.
Even disregarding my 20 years "plan":
Say you are going all out fun/crazy for short term just to spend the 20m.
Presuming you plan to blow out all those cash in 3 years, maybe 5 years. Some might say die with glory or whatever stupid reason after that. In order to spend so much money, you will likely be doing "stupid" things like partying, traveling overseas, drinking/drugs all sorts. Under these scenario, you will like missed your pills just once while being overwhelmed by the FUN you are having. So you won't enjoy your 3 ~ 5 years as planned.
Presuming you want long term, like I said 20years, and I have pointed out above. Unless you stay home 24/7, and don't go overseas and enjoy the money, there is a large chance you miss out of those 175,200 chances I mentioned. If you are not enjoying, why have that 20m in the first place with this amount of risk?
So in ANY possible scenario for a person that suddenly got rich, you won't live to see your natural death. Neither will you live to your expected/planned amount of years just to spend that money.
No scenario ends well.