Hamphser, you can choose anything you want. Perhaps every person has a choice to make, the one that they feel is the best for them, but that doesn't mean that the other choices are what can leave one in regret, like Odunybiz said that "financial education can bring poverty. Well, don't also forget that some people who don't have knowledge about financial management can take the $1 million, and at the end of the day, they will lavishly spend all the money without putting any to good use. They can still become poor at the end of the day.