I wold probably take the money, but it is an interesting thought.
Ten years old and have the knowledge I have now? Hummm, dangerous!
I don't think my CD'ing would change, at least a whole lot, but I would approach my life differently. Less screwing around when I was younger. Maybe date the super cute Norwegian blonde I knew in high school, take more chances. Do better in school, get a better job and start shoving as much money as I can into the stock market. By the time I hit my age today I would have more than the $10 Mil!
The only thing that might stop me is I might never have met my wife in a different time line, and I would miss her, but I guess if I retain my knowledge I can still go find her!
