Gabriel | That Money Guy
Region: GB
Monday 06 April 2026 15:38:16 GMT
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Dylan :
People will blow through the 1mil, 5k will keep people in line and going steady without really needing to work. I’d say 5k just simplifies things, minimises risk.
2026-04-06 16:32:22
2385
Adam van Cade :
It’s not about return. It’s about 5k a month for life being enough. No risk. No effort
2026-04-07 06:43:54
2000
Andrew :
whos getting a 6% return anywhere?
2026-04-06 16:28:30
366
yonivl 🇧🇪 :
The 5k is just stability and hasslefree. With the million I still have to make sure the investments etc are doing well and one bad move can give me a massive setback. If I get 5k a month, I can live easily and peacefully without having to work.
2026-04-07 06:24:59
225
Caljak :
Thats also assuming you keep the entire £1M instead of buying a house
2026-04-06 16:05:20
226
manutd989 :
no one gets a million ans doesn't spend a penny... 5k a month is better for your life right now
2026-04-06 18:07:09
168
Alwyn Hamilton :
This is assuming it’s tax free as well. 1M would get taxed at a higher threshold.
2026-04-06 20:08:19
63
Douggawatts :
This math only maths if you get the million and don't spend any of it. You buy a nice house and a car, and poof, there's 500k gone.
2026-04-07 09:53:43
24
⃟ :
5k is the best option. Most people can't handle 1 million euros, so 5k per month for the rest of your life is safe and stable. You are guaranteed to live peacefully.
2026-04-09 00:09:40
18
Nicolas Richeux998 :
5k per month because it’s safe while the 1M can be stolen or you can also not have a good return on investment… and at the end who cares how much money if you have safety to have a good life which is easily reachable with 5k a month
2026-04-06 16:21:19
18
loughlinandrew :
You forgot to adjust for tax on the interest on the million CGT can be 33%. No tax on the 5k. And discipline if actually investing the whole 1million, most people wouldn’t do that.
2026-04-07 08:04:32
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Gonziluc07 :
no, you are wrong, nothing in the world guarantee 6% plus they will charge you with taxes
2026-04-06 18:08:39
13
Miss Spades :
It really all depends on what your goal is. The million might generate more money, but the 5k per month will generate more stability for most people, which might make them more peacefull and happier. I'm in the 5k griup: I don't want more money, I want the idea of lifelong stability
2026-04-07 20:02:13
7
William Brooymans :
Take the 5k and do a job you like. No money issues ever and you can upgrade your life a bit.
2026-04-12 12:09:53
5
dfhctcfic :
The way I see it you can easily spend a million and still need to work but if you're limited to 5k a month you can have a nice life without having to work so I'll pick that every time
2026-04-12 22:43:26
5
MatHat542 :
I’d pick the £5k option. Whether it’s the “better” option is not the real question for me. There are too many examples of people winning the lottery and a few years down the line being back to where they were or worse. It’s why if I did win any lottery I’d pick the Set For Life lottery rather than the UK Lotto or Euromillions.
2026-04-12 19:46:33
7
Alan L 🏴 :
Id argue those of us who have struggled in the past will take the 5k a month. 5k a month is still alot of money and guaranteed every month for your whole life the million would terrify some people as one bad decision and its gone
2026-04-08 10:31:24
6
Afzaal :
1 million now, no one said tomorrow was promised
2026-04-07 08:43:28
5
Eva :
I would buy a house/apartment with the million, no longer paying rent will do a great deal for my daily comfort. Given that there will be some left, that could go into investment.
2026-04-09 21:38:30
5
ragdolls and show cockers :
You mis the biggest issue. inflation. Your 5k a month will not be effected by inflation in 10yrs your 1 million will be historicly only worth 600k. The 5k per month is inflation beating over a 1 million lump sum. The reverse happens with mortgage debt. As your 500k mortgage is not effected by Inflation yet your house value/ equity rises with it. 😬😬
2026-04-07 11:20:17
9
Nicksdm :
1M costs me about 300k in taxes a year, everything over 50k they put taxes on even if its savings or investments
2026-04-07 08:53:19
6
Stephen Webb :
I can retire on 5 grand a month with a steady income. If I get the mill, I'm spending recklessly and impulsively.
2026-04-07 06:12:50
30
cool buddy :
who knows what happens tomorrow!
2026-04-06 16:45:07
5
CheekyChi_40 :
1 million and spend it on a new home or pay off debts now. That £5k a month might not have the same value in the future.
2026-04-06 21:45:27
8
rudolfo1980 :
Now add the tax and then whats better?
2026-04-08 05:04:47
5
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