tim comments on Participation in the LW Community Associated with Less Bias - Less Wrong Discussion
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I was thinking that wealthier people would have a lower level of utility associated with the additional marginal dollars they could get from waiting, so transaction costs and other disutilities would override the utility offered by having a greater number of dollars. I said "actually" only because this thinking is sort of in line with what I was discussing in my first paragraph.
I would think that if our hypothetical wealthy person was rich enough to not care all that much about an additional $20 million, they wouldn't care enough about the initial $55 million to pick the short-term option that netted them less money.