Well.you don't need to starve or have a shity life . You could just have s normal life like everyone else with the knowledge that 900k is coming.

Not sure why people are acting like if they pick 900k they can't make money until then. So you don't need to starve...you just need to be an average regular person.

could easily die within those 10 years

Because thats wrong. Idk your age but for me my likely hood of not dying is 98%. So no its not likely I die at all in the next 10 years. I'm making my choice on what is most likely to happen. Like I'm not going to play roulette because I might win...because its much much more likely I lose.

So I'm going to continue my current life (with money cause I have a job) for the next 5-7 years. Then retire because ill have plenty for the next 3-5 knowing I have 900k on the way.

So basically for me it's work 5-7 years then get 90k/yr (I know it's per decade in just put it per year to give a standardized comparison).

There are reasons for more steady income $100 today, everyday is way more valuable tona homeless person than 900k in a decade but if you have a stable life 50k per years is better payoff and 900k is even better.

I have a comfortable stable life so I'm totally OK working 5-7 years for the max payout.