How much less is it all upfront? If its a significant amount theres no reason to piss it away just to get most of it upfront. 3 years of 20k is 6.x grand per year extra.
And this is why i keep telling my dad "BUY SOME SCRATCH TICKETS SUM DAY YOU WILL WIN" lol but for some odd reason he doesnt listen to his 16 year old son :-/ Congrats, i wish i had $20k, Buy my self a REALLY NICE 4 eyes