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Maybe I'm misunderstanding the "groundhogs day" power, but couldn't you spend a year tracking winning lottery numbers, bets, and/or stocks and then "loop" that year and act on that knowledge in the repeat year? Then you would also essentially get +1 year of life and way more than $π million. I would also use the first loop to take medical tests of my health as much as possible since it wouldn't matter if I went into debt in the first loop.
I guess the downside would be that any progress you've made on personal goals would have to be redone. Or maybe you don't get to decide the starting point of when you would loop back to. Or just my luck, there would be some butterfly-effect shit and I would end up worse off in the repeat loop because my investments would have failed.
I would take the +3 charm and groundhog Day for a year. It would be really awesome to have 3 charm instead of 0, and if I could repeat Tuesday for an entire year then I could learn skills and practice things and read a bunch of books and memorize and establish a plan to purchase a winning lottery ticket, not excessive but maybe like the mega millions I don't know, and come out of the year into Wednesday with nine figures in my bank account and a clear plan of action.
Oh wait does "groundhogs day for a full year" mean that you complete a year then at the end you start that year over? Or is it that you repeat the same single day 365 times? Because repeating the same single day wouldn't give someone enough info to invest or win a lottery (they close sales more than a day before drawing winners). I'm not sure I could out-earn $π million in a single day even with 365 attempts and +3 charisma... unless it was some kind of criminal heist, but then it couldn't be known if I would be caught on a later date.
I don't know if you're from the states but if you are purchasing mega millions or Powerball tickets, they stop sales at about 6:45 p.m. Pacific time and then do the drawing sometime after 7:00 of the same day.
I interpreted it as you would repeat the exact same day 365 times, not that you would repeat the exact same year over and over again.