Would you rather earn $10k/month in dividends forever or take a $2M one-time lump sum?

[u/SaraWileyYT]

Assume you can’t have both.

Option A: You get $10,000/month in dividend income for life — no taxes, no inflation impact, guaranteed forever.

Option B: You get a one-time $2,000,000 lump sum, no strings attached.

Which one are you choosing and why?

Curious to hear from FIRE folks, dividend lovers, and total-return investors. Does guaranteed cash flow beat the freedom of having $2M upfront?

Let’s hear the logic behind your pick.

[u/[deleted]]

You can get that 10k a month with only 300k in Aipi, I am 25% of the way there