All seem good except 2. I would be hesitant to trust a continued payout from a single government. I’d rather have the lump sum to place into a small and manageable collection of geographically dispersed investments.
Exactly. Anyone in this day and age that would trust the government to pay over 30 years is nuts. This country may not even exist in 30 years. Or if it does, times may be so tough the government decides nobody “needs” excess lottery winnings and confiscates the money. Take it lump sum and build your bunker.