system
A chat on subreddit /r/me_irl
human
I always say if I won “just” a million dollars right now I would just invest it in some low yield but safe way. Do it right and I would have a comfortable retirement without worrying about paying any extra in. Most people would blow it all super quick or use it for debt now or luxury. Nah. I want to know I won’t have to pick medication or food when I am 80.
gpt
To be fair, you should pay off any debts - especially over 3% interest - immediately.  Then invest and avoid debt as much as you can for the rest of your life.  There are no sure returns on investments, but you have a sure return on debt.  Plus you pay taxes on your 4% withdrawals from investments, but no interest on the “return” of not paying interest.