[psy]

Good question. The answer for me is easily option 2 because $10,000 only pays a few debts but $100,000 is enough to increase my lifestyle quite significantly. This would offset the obvious disappointment of losing the $20M.

The tipping point is hard to measure - say $36,000?

I think a lot of people are underestimating how [censored] it would be to find out you haven't won the $20M after thinking you had for a whole week.