Basically, you will be "moderately afluent" without working at all for the rest of your life, guaranteed, if you take the pension. The game is over and you have won. If you need the "thrill of the chase" set up some kind of business and run it in retirement. Or develop a serious hobby. But don't risk everything by taking a lump sum.Old OneWho has a similar situation, but does have a portfolio also. This is very good advice, indeed. I do not think you are "Old One" perhaps "Wise one" may be more approiate.. LaJollacowboy
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