2. Keep the $15,000 while doing other work that will yield the remaining money over a long period.
If I just choose number 2. Just leave our investment there and take him back when the time comes as you said. At least this is wiser in investing and we can relax and enjoy life and the available funds are sufficient to recharge our bodies which feel tired due to full activity.
Are we going to dedicate our time to making money for the rest of our lives?