If someone offered you for free $40,000 USD or help you set up a business that will make $100 USD a day, which option would you choose?
The $100 per day every time. A business will probably help give you a sense of purpose and enthusiasm whereas a lump sum will lead to frivolity.
For me it would be the $100 a day. especially if that $100 a day was sustainable and could be increased by working a little harder.