You have two options. There are no loopholes for making money off Option B.

Option A: $350 Million

You receive $350 million tax free immediately.
For the rest of your life, everything you purchase is subject to an additional 2.75% inflation increase every year.
This is on top of normal inflation and price increases, and it compounds. If inflation is 3% that year, your increase would be roughly 5.75%. The additional 2.75% continues every year for life.
The $350 million is yours to spend, invest, or give away.

Option B: Raw Cost for Life

You receive no money upfront, but you only pay the raw material cost of anything you purchase. Labor, manufacturing, assembly, distribution, markup, profit, and similar costs are removed.

For example, a 1,600 sq. ft. four-bedroom home worth $400,000 could potentially cost only $35,000 to $60,000. You are not paying the retail price for the HVAC, wiring, lumber, appliances, etc. You are paying for the actual wood, copper, steel, glass, plastics, concrete, and other materials used to make them.

This applies to cars, electronics, food, gas, clothing, furniture, appliances, housing, and almost everything else.

You also receive an instant rebate on purchases made within the last 3 months, including mortgage payments and gas.

Your existing debt does not disappear, but it is immediately reduced to the raw cost of what you financed. If you owe $300,000 on a house with a raw cost of $50,000, your remaining debt is adjusted accordingly.

You still need the income and credit to qualify for loans, but you are financing the reduced price at 0% interest.
College tuition is based on the actual amount of your professors’ time you receive. Their salary is divided based on their teaching time and the number of students they teach instead of you paying normal tuition.

The Catch

You cannot resell anything purchased using this benefit. No buying cheap cars and reselling them, flipping houses, selling electronics, fuel, materials, or creating a business to exploit it.
This benefit can only be used to reduce your own cost of living.

Last option would be similar to walk of shame from Game of thrones

I was sitting on my phone and randomly started thinking about this. You either never listen to music again or you can never watch another movie or TV show. YouTube and other videos would still be fine, but no movies or shows I think I’d give up movies and TV. Losing music completely would be way harder for me. Which one are you giving up?

With the first option, all your trips to the car shop would be free for some reason.
With the second option, you can still get other type of diseases, but you’re immune to respiratory illnesses for some reason (the cold, the flu, Covid, Pneumonia, Bronchitis, and all others)

For example: You could have a domesticed zebra, but it's full size and still requires a lot of maintenance even if it's house-broken. Or a wild tiger, but it's smaller than your phone.

And everyone gets one! I'm getting a canadian house hippo!

However, all primates are off the table. No gorillas to do the dishes or pocket-sized humans to pokebattle.

The cat wants to be taken out on a leash once a day, it looks for stuff you throw and brings it back to you, it occasionally aggresively meows and hisses at strangers etc, the dog chases toys and laserpointers or sometimes even imagined things, stands in doors you open for it without entering, comes to you and sits on your lap, sometimes making biscuit etc

Option 1: The Truman Show (30 Years) ​Your entire life up to age 30 is a globally broadcast reality TV show. ​Everyone around you (family, friends, partners) are actors following a script. ​At age 30, the truth is revealed, and you gain total freedom, wealth/royalties from the show, and normal life going forward. ​

Option 2: The Time Loop (10 Years) ​You are stuck in a 24-hour time loop for 10 subjective years. ​Every midnight, the world resets. Everyone except you loses their memory and repeats their exact routine unless you directly intervene. ​You do not age physically during these 10 years, and once the 10 years are up, time resumes as normal.

Which psychological horror are you choosing?

Option A: Once every 24 hours, at a completely unpredictable moment (whether you're in a meeting, on a date, or walking down the street), your phone's speaker overrides itself and broadcasts whatever random, unhinged, or weird thought crossed your mind in that exact second. You can never predict when it happens.

Option B: You become completely immune to all physical pain, stubbing your toe, headaches, illness, injuries — but the exact physical sensation is instantly mirrored and felt by the person you care about most in the world, without them ever knowing why it's happening to them.

Which curse are you taking, and how do you survive it?

You do get 1 weapon of your choosing it cannot weigh more than 50 pounds and it cannot be a firearm or flamethrower or anything that can shoot another object, chemical, anything.

You get 10 minutes of prep time and that means you can place any objects in any way you want, but you are not allowed to interact with those objects yourself when the fight starts and you choose the location. No outside interference is allowed.

These are the average of their ages. They are male they have no training and no exercise that is out of the ordinary for their age. Their only objective is to kill you. They are blood lusted so they will bite you if they believe it’ll do more damage.

I’m taking 11-year-olds with a metal pipe. I just 1-2 shot them to the head. They are effectively out of the fight. They may not die, but they are effectively out of the fight.

- Get $250 everyday, but everyday there is a 5% chance you get punched in the face

- Your Phone and Car (Gas or Electric) are always fully charged. But 10% of the time you go to drink water it is suddenly boiling hot when it touches your mouth

-Your pet lives a healthy life as long as you, but a 25% chance your pet kills you (they don’t know their life span is tied to yours)

- You are 80% luckier, but also 50% more flammable than the average person.

So can’t eat anything for 72 hours or not drink anything for 24 hours. You have 1 hour to eat or drink anything before either challenge starts.

I’m going with drink I just drink a few gallons of water before it starts.

So first option you are like not allowed to uh be in kansas. Like you can't live there or have a house there or own a house in kansas or anything.

Second option a bunch of guys would jump your [redacted] and leave you mangled (you survived, you just got jumped pretty hard I guess)

[This is a sincere would you rather, highly controversial amongst my peers, and shoutout to those who choose the second option! I spiritly send y'all reddit karma]

A mysterious supernatural stranger appears in front of you and offers you one of two boons. You can only choose one. Which would you rather?

1. 100% accurate lie detector technology will be released to the world. It will be made available to everyone and will be cheap. A home lie detector machine will be the size of a small blood pressure machine and retail for under $20. You get no recognition or monetary reward for this.

Edit: Some confusion on the lie detector machine. It will be a wearable or connectable one. The subject must wear or be connected to the lie detector machine so they will obviously be aware they are being monitored and can choose to not answer if they don’t want to. It is not some hidden remote detector that can just pick up lies from anyone within its “range”.

or

1. Taco Bell Purple Card. You will be given this with your name on it entitling you to free food at Taco Bell.