Just daydreaming. What would you do? Middle aged with kids. Taking annuity would ballpark 200k a year for 29 years, lump sum neighborhood of 1.8-1.9 million after fed/state taxes. Feel like I could retire and be very comfortable with life with annuity but wouldn’t be able to retire right away with lump sum. Everything I read though says always take lump sum. What should I do when I win??