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My mom was planning to wait, I assume to maximize the return. She got sick and died. I like the idea of $$ in my pocket, lets me decide what/where/when. If you dont really need it, take your check and donate it to those that do need it. Or not, save it or spend it however you want.
As said, so many variables its an induvidual decision. I hope my personal situation allows me flexibility vs trying to maximize a payout with an unknown lifespan.
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