Since the money is up front, I assume the penalty for missing eventually would just be an automatic deduction of $10,000 from your assets to take the money back.
So the obvious loophole here is to accept the $10K, go to church every Sunday until you can turn that $10K into $20K and then stop.
With smart investing that would take how long?
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Thank you, Eddie Guerrero.
http://www.wwe.com/f/styles/photo_large/public/photo/image/2012/04/33_Moscow_04112012jg_02128.jpg