Red pill is too vague.
Do you go back in time to when you were 6? If so then red pill is good because you could just achieve all you've already achieved faster and you have more time for other stuff.
Do you just turn into a 6 year old? No thanks, not about to restart on hard mode.
Also is that time really that valuable if you're going to spend a significant part of it threading the same ground?
That why I'd take the blue pill, clearer outcome and with 10 mil I could easily improve the quality of my time. For instance by completely ditching work I have much more time to see my children grow up.
Clear outcome? If red is "become undocumented child in 2023" blue can't be simple.
Blue would have you watching over your shoulder for who the money was taken from, or the money would be taken off you as evidence of crime, since no one has millions from nowhere, and it'll be very hard to hide