[George from New England]

She’s so young. Should be taking it over 20 years or whatever to maximize the return.

[IYAS9YAS]

Should be taking it over 20 years or whatever to maximize the return.

Money now, wisely invested, will blow that 20-year payout out of the water. Always take the lump sum, unless you're a total idiot who can't control your spending, then take the 20 or 25-year payout.

[dmz]

She’s so young. Should be taking it over 20 years or whatever to maximize the return.

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Bad advice.

1) if she dies, the money is not in her estate if she takes the annuity.

2) An individual properly managing that money will do better than the government hacks investing that money for her