my serious answer is:
18 year old - just having another person around to talk to, so you don't turn into a total hermit, sex is a nice bonus too
Kitchen - learn to cook better and be able to make whatever the heck you want
Garden - fresh air and exercise
Medicare (+1 for mayo) - no chance I don't hurt myself, or eat something that makes me sick in 10 years, along with anything that can naturally just 'go wrong' with your body over 10 years
Pool table - had 1 point left over, and this seems more productive than the gun
*Alternatively, I could swap out the pool table and downgrade to the pajeet health care to pick up the satellite radio or train warehouse if I wanted more entertainment options
Come out 10 years later being totally healthy, a damn fine chef, a good gardener, not totally socially stunted, and 10 mil richer
The 'right' answer is to take 40 points for 0 dollars
18 year old X2 for 36 points
microwave +meals for 2 points
cheap medical care for 2 points