Take 5 years, $35 million now and you're set for life, and then some. Or.... you play the 1 in 1,000 odds (or whatever they are) that you don't suffer a career-ending injury over your next 3-4 seasons and make damn near that entire contract value in one season, if you're Prince. When you're dealing with people, and not stocks, however, you're not doing your clients a favor by taking this approach. Manny Ramirez, Carl Pavano, Miguel Cabrera, & Ryan Howard all say hello... just to name a few examples.