+13 @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.

+12 @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.

+11 @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.