I understand. You are saying an extra 30K won't make your life very different but an extra $3m would. And you have 30K lying around you can gamble for that chan

I understand. You are saying an extra 30K won't make your life very different but an extra $3m would. And you have 30K lying around you can gamble for that chance. I get it. There's still opportunity cost lying around all over the place. You could invest in any number of highly leveraged assets or hedge funds or stocks (or go to the casino :). The fact that you have that money lying around doesn't automatically make anything you do with it devoid of risk. Arguably you could send it to some Nigerian prince and wait for payback, that sounds like a bad idea. There's a whole spectrum of risk even in your case. I'm not saying you are not doing the right thing, just that you are taking a decision that comes with a risk.