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$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"

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".

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