+22 @StrongAsMeat Where I am (Canada) there's no taxes, that $356k a year is roughly 9 times my yearly take home pay, I'm fine with that.

+21 @Bleezy79 I would take the lump sum myself. I just dont trust the government enough and I'd rather invest it myself and have control. But if you're under 35 and just want a worry free time, do the payments. You get significantly more money taking the payments too.

+13 @Due-Ad-8743 Depends on your age and family history of longevity. It’s not as cut and dried as people think. We’ve been living with inflation for close to 100 years. Deflation is possible, your money is worth more every day.

+12 @ihaveabigjohnson69 if you are 20-35 go for the annuity 35 and up take the cash

+11 @bugabooandtwo $365k a year for life is a nice option. One perk is the guarantee (assuming the government doesn't collapse) of income every year. Plus, it's in that nice range where, yes, you will always have people asking for money, but it's also modest enough that (hopefully) you're not badgered 24/7 with every Tom, Dick and Harry demanding $100k investments for their super duper business proposal they scribbled on a bar napkin.

+11 @emperor-dummy With how volatile the stock market and new tariffs has been lately it’s crossed my mind the guaranteed return might be the way to go