The choice is easy for me.
I NEED money, I don't NEED to be my fursona. (I'm a logical person and a realist most of the time. Though I'm not saying that those who choose to be their fursona are stupid, because they're not.)
So yeah, I chose the million dollars.
I could get a house (and furniture for it), a fuel-efficient car (even though I absolutely love my truck), and put the rest in the bank. Later, after getting my degree (which I would use the money to help pay for classes too), I would start my business with some of that money.