Hacker News Reader

> No, it's obvious. Anyone that has to choose between getting $100 right now or $100 trickled in over months would opt for it right now...

As usual, there are real life edge cases where folks don’t choose just on what makes the most sense financially. Many teachers work less than 52 weeks a year but choose to have their pay distributed over 52 weeks.

View on HN

Yes, I'll admit I was a bit strong in my "anyone would" wording. I'm fairly confident in saying that while some people might opt for delayed payment when pressed and discussed with most if not all would admit to doing so because of their own inability to follow through on what they would acknowledge as the financially smarter option. In that case, it's still obvious what the better option is, even if you feel you can't take advantage of it because of other factors.

Reply on news.ycombinator.com