No. of Recommendations: 2
Being female automatically gives you a +1 to Intelligence and Charisma. (Sorry, had to drag Dungeons & Dragons into the conversation.)

The only way I would be okay with taking the lump sum payment would be if the "scheduled retirement payments" money is not inheritable by your spouse or any dependents you may still have. If that is a concern, I would take the lump sum and stick it into safer investments, and not expect anything close to 20%. (I would be happy with 6%-8%.)

Check and see the survivorship rules for your benefits.

Lara Amber
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