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Stock market returns a historical average of 6%, so $20K > $18K, and that is a win. Of course you have to give up 40 hours a week of your time for it. But then there are health insurance benefits. Fluency in a language means either greater personal satisfaction or business opportunity, or both.These things alone move me to Package B, albeit in a country where $20K per year goes a long way.
Package A. With money the women will come anyway. And if I blow a lot of it on women, who cares? i didn't work for it.
Package B is chump change. A small % of what I earn now and I will have to meet women who will probably try and take what little I have