[EDIT] I suggest looking at your situation from this perspective: $100,000 is a lot of money and can last you and your family over a year in certain places.
Those are all good reasons to negotiate a larger settlement.
This is bad advice.
My advice was to have perspective that things could be worse. To have that perspective is never bad advice. ;)
Although having perspective is important, nothing the original poster says implies he/she lacks perspective. Your advice is off topic, and implies he/she should take the $100k without giving reasons as to why or why not beyond a description of your own personal situation. That's why it's bad advice.
Sure, but they could also be better, maybe significantly so. Where does that leave us?
I don't really get the downvotes to the parent comment. All he's saying is "100k now might worth more than 5 million in 5 years"
It's hard to imagine a scenario where that is true, except maybe if you needed the money for lifesaving surgery for yourself or a family member, or some other equally dire circumstance. Even if you had to be homeless for 5 years it would be worth it to wait.
If you're looking for someone to work through marketing ideas happy to help. Email in profile.
You might try Upwork for freelance work. Start charging low for small projects to guarantee some immediate income. Create a reputation in the site to charge more while continuously creating your own network so you can soon enough get out from Upwork and start earning fair money from freelance projects you find for yourself.
Good luck!
My comment makes no sense at all anymore now that the parent edited his comment