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In response to
"I was doing some similar (but much rougher) calculations. :) -- nm"
by
Baron of the Rings
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But beyond the math, I think it also depends on what the current state of your retirement savings is.
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If you're doing generally OK, you're in a better position to opt for the installments than if you're laden with high-interest debt and could really use the lump sum to get you out of a hole.
Personally, I'm probably opting for the installments.
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