Patrick used his college course, management science, to reason his impulse decision to buy a lottery ticket with the gift his grandmother gave him for his college graduation. The gift was a 20 dollar bill, which later turned into 500,000 dollars, after he paid taxes on the capital from his winning lottery ticket. Being an intelligent man, he was brainstorming ideas for what to do with his winnings. Patrick concluded that he was going to take 50% of the 500,000 dollars and invest the money for his retirement. Now Patrick has 250,000 dollars to invest, and I believe that his friend Peyton has the best finacial analysis for Patrick. Josh, conducted an analysis that was easier to understand with an annual rate of return of 10%, which is very attractive but not realistic. An annual ROI of 10% for 30 years is too good to be true. Therefore, I am going to follow Peyton because the numbers look more realistic. Yes, Peyton’s analysis yields less return than Josh’s, but through following wealth management, I can assume that Josh’s forecasted returns are too high. I am advising Patrick to take Peyton’s advice eventhough his forecasted return is 697,884 dollars less than Josh’s; a 10% annual return for the next 30 years is too high for me to support.