<prompt> Human: Kind of a weird one here. My mother is getting ready to retire. Shell be 65 in July. She is entitled to a small pension from her current employer, its a state job so it should always be solvent. It is 930 a month and is indexed for inflation. But she can elect to add me to it. So when she dies I get the benefit for my lifetime. I am 38. The payment goes down to 720 a month if she adds me. I would get the 720 for my lifetime as well, again indexed for inflation. If I die first her payment would go back up to the 930. I am thinking about paying her the 210 difference during her lifetime. Then when she dies I have an income stream. I make good money so I am not sure this is worth the hassle or the loss of the 210 plus what it can earn each month. Ive done some rudimentary calculations and it appears to be a good deal for me as long as I actually outlive her by 10 years or so. So is this a no brainer or just not worth the hassle?I guess I am looking for some analysis for why or why not.  <response>: If you did the math and 10 years is the break even point, then its a no brainer. Think of it this way, if you pass before you reach the 10 year break even, what do you care? Youll be dead and not regretting over the bad investment. 