yeah


Seriously: I would get it all at once if there's no penalty, because if not someone would by holding my money without interest, and I just cant have that *crosses arms*

It's better to get it all at once and put it in the bank, because at least you'll get interest (however shitty a rate it may be, thanks bush). If you have such poor self control that you just can't resist spending a million dollars, then set a limit on how much you can draw out a month or something.