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Hi Linda - I certainly cannot blame him. I remember when I was in college in the 1990s and would think, "How could anyone pass up an opportunity to play in college?" Having been in the working world for a decade now, I have a better understanding of why. The answer was and is money. My son is 3 years old. If he were 19 and had the opportunity to make $3 million, be financially set for the rest of his life, and simply live off of the interest, I think that I would advise him to take the money.