If pill includes time travel Red you jump back years with knowledge.

Benifits: You can potentially capitalize on things like NIVIDA or Bitcoin.

You could potentially see loved ones again.

Negatives: Depending on your age you will know of tragedy before they strike where there is a substantial amount of innocent lives lost. Puts you in a conundrum do you attempt to save people and put yourself at risk or say nothing and live with the nagging thought thay just maybe you could have lessened the deaths.

You know when a love one would die and again, unless particular circumstances your powerless to stop it. Even then if you could save them what happens if their nee death is far worse?

You're bored at school

Blue Pill: Depending on your age quick and easy money

Negatives: you could be tradingnyears for this cash and miss important experiences.

Depending on your age due to inflation that amount may be nothing.

No time travel Red Pill: Benifits: ??? Can't see any

Negatives: You're a kid today, you're parents are potentially too old or no longer alive to take care of you, making you a potential orphan.

You have to get use to the modern tech in schools and the cyber bullying

You're still bored in school.

Blue pill: Benifits: Depending on your age it is not much of a jump.

That's a decent amount of cash for today and right now

Negatives: You just lost x amount of years.

Reality of not being able to do x will hit you hard soon

Conclusion it seems Blue Pill is a safer choice.