One, I have not earned that much anyway this year, so that wouldn't make any difference then again if that is the case just thing on things that I ended up not buying 😛 and so I would have memories on things that I brought and have done 🙂
THen again some things that I have done this year I forgot anyway 😛 and aren't many good memories to think about with Covide.
I would lose all my money. I can always get money back. I can't get back memories. Those are mine & mine alone & are precious to me & makes up who I am.
I'll go with money because money doesn't last forever because it spends quickly. You can spend tons of money paying off debt or buying things you need and in the end you walk away feeling like you have nothing to show for it.