In a hypothetical situation that could possibly have real-life implications, how
According to the utilitarian approach, you should do the most good (or, what is likeliest to lead to the most good). And if you really are a utilitarian, you should look at all options, not just the two you mentioned (include options such as sending all your money to UNICEF, or becoming a Mother Teresa).
Non-utilitarians approach such questions differently. They are more likely to consider what you WANT to do in the discussion about how to lead a moral life.