I agree with what many others have said.. There's so much more to it than just "I'll take $40k and buy a nice miner." You need to think about everything that comes with the miner (good source for keeping it cool...electricity costs..maintenance..etc)..If you aren't very knowledgeable in miners then I would take the $40k and just buy one BTC with it. If you plan to go the mining route then don't just dive in with that kind of money. Do your research and due diligence so you know exactly what you're getting into. Just my 2 cents..