You’d have to expect to get much less than 6% on my $1mil to choose the $5000. You start out with $1mil less money by taking the $5000/ month.

Eg.
-After year one you have $60,000
-After year one, with 6% interest I have $1,060,000

You won’t reach my principle alone for over 16 years. By that time I’ll likely have twice as much as you and will be growing much faster.

Each subsequent month I will out earn you due to compounding interest.

It would take some seriously bad years of investing to not be waaaaay better off with option A

Even say 36% tax on the initial principle amd start compound interest from there.
I don’t know the future, but you think future taxes are going to overcome all of that?