Not $4000000 per month. $4000 per month. $52000 per year. She gets $1000000 over 20 years, but is taxed on it less than if she accepted it as a lump sum, so she recovers the actual lump sum over a time period of something like 8 to 10 years, but continues recieving it for life. If you work in inflation, it is probably a horse a piece. So, yes, take the lump sum and buy bitcoin.