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It's because the fine print probably read that the winnings would be distributed not as $1,000,000 today, but as $100,000 a year for 10 years.
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Financial planners consistently stress that your 401k account does not work very well as a savings account or emergency fund -- the money is hard to get, the process is time consuming, and the damage you can do to your retirement savings account can take many years to repair.
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Well, maybe it wasnt really my life that was at stake, but it surely helped me get through the week on plenty of occasions where college just drained all my resources.
Under the terms of the loan, the consumer has the option of paying $50 in principal on that date, in which case the lender would charge $20 in finance charges instead.
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The only way financing could really make sense is if you actually have the $20,000, but you take the $15,000 you save up front and do something productive with it.