I would wait.Because giving a simple 13 year old like me 1 million dollars now wont have any uses. It'll probably just all go to my parents and ill get around 500 francs from it(currency here is swiss francs).But, I can wait for 10 years till i finish my IB and uni, then when i need a house or a job, I can have my 10 million and get some stuff
Considering the current state of the economy and the presence of cyclical economics, ten million in ten years. I am seventeen years old, I have many wants, but not a lot of needs, in ten years it going to be the exact opposite, so why not wait?
I would wait 10 years for 10 million pounds, so I will be 23 when I get it, just when I (hopefully) get out of university (if i even get to that point)