Investor offered 20x monthly revenue for my app. It's enough to change my life but I'm terrified I'll regret selling.

I'm a solo developer. I built an app that blew up out of nowhere and it's pulling in respectable monthly revenue right now (I've shared ballpark figures in previous posts if anyone needs the context). An investor approached me with an offer to acquire it at 20x monthly, and the total comes out to life-changing territory for someone like me. Not "never work again" money, but enough that I could finally exhale after years of being stretched thin.

Here's the part I can't get past.

Sell scenario: One lump sum lands in my account, my future is stable, I have runway to build whatever comes next without panic, and I bank the win before the app possibly fizzles out (which can happen, since trends shift quickly).

Hold scenario: The monthly revenue keeps flowing, and if it sustains for even another 24 months I'll have outearned the offer. On top of that, I still own what I created.

Logic points toward "just take it" but every time I'm about to commit, this nagging feeling hits me that I'm selling myself and the app short. I genuinely can't tell if it's intuition or pride talking. Real money has never been part of my life, so I don't really trust my own gut on something this big. I keep picturing future-me two years from now either thankful I cashed out or furious that I did.