Would you choose to be absolutely miserable for 3 years (working all the time, bad work environment, stress, no time for friends or family, bad sleep/health) if it meant getting enough money to never need to work again the rest of your life once you’re done? [poll]
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This might suggest other ways to get what you want other than going through the really bad outcome, or asking it independently of the concrete offer on the table might clarify your thinking about values. "Wait a second: do I even care about $4 million?"
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Is that the right number? Is that the right goal? Does it accomplish your terminal goals? (If you had $4 million in your bank account *right now*, would you actually spend it on the ~$200k/year annuity you can probably buy or would you immediately sign over to charity, etc.)
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