Financial education has always been a game changer in the financial state of a man, it is the best education a father can give to his children because once you are financially educated, it's near impossible not to be financially stable.
Have you wonder why most lottery winners have gone back to square one after winning or most rich kids losing their inheritance due to poor/bad management of funds, it's because they lack financial education.
On the other hand 1million dollars is truly a life changing amount of money but if you are not financially educated, you will lose it all on the long run,
I don't know if anyone sees it the same way I do?
You have written assuming that you always reach a general conclusion in your sentences. This general situation may differ from person to person. For example, a person with financial education may also lose money. A person who has received financial education may not get the desired efficiency from his investments. There are several factors that affect this situation. So my choice would be $1 million. Then I can spend this money on education. Today, this money can be a good start for our goals. So this is my choice.