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I assume you had two options, 100k for a year or 10k for 2 years (I think)? (I've seen these offers)

Is that the case? And if so, why not take the other option?

$100k is so much bigger number.

Sure but it's like saying "here's a meal for 20, you have to eat it all today... or I'll feed you and only you for a year"

Take the meal for 20 and host an improtu banquet. Charge a per-person fee and make some money.

No, it's like saying "here's $20, you have to use it all today. Or I'll give you $4, half today, half tomorrow".