$10 million dollars seems like a lot to normal people, but to Mike Tyson it is probably very concerning. Enough so that he's taking this fight... He doesn't have a day job, so it isn't like he has this regular stream of income. He has his podcast, which he just shut down, that I'm assuming employs a lot of people and costs him a lot to run. With all the podcasts nowadays, I'm sure he isn't bringing in the same money he was previously. So I think it really is a situation where he wants a final payday to retire on while simultaneously doing things like ending his podcast to cut his liabilities and give him a chance to be smart with his money going forward so he has a comfortable end of life scenario.
He is fortunate to still be able to take advantage of the opportunity of making some money through fighting. This is a good fight that he can win. Francis made so much money from just his two fights even though he lost, shows that there is enough money to be made from boxing.
Tyson is doing the fight for both money and ego.