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PW,
I appreciate your comments, and advice. Yes, I have looked at it just like that. At first I was considering which way I came out making the most out of SS, to say age 80 - early payments vs. the delayed. I like'd the early withdrawal - in gave me more payout, plus investing it all back in it seemed to be a logical idea, but then I got to thinking about my wife's portion. On top of that, we may be heading into a market correction, which would make the government's 8% look better, safer just as you said. I still have a few months to chew on it, but now I am leading on giving the money back and holding off a few more years.

Thanks
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