<prompt> Human: My Dad has a pension for 450 a month from Sears. Hes terrified about the financial state of the company, and was offered a lump sum of 50k. Him and I are leaning towards taking to money, but would like some other opinions. Thanks!  <response>: Me personally, Id certainly be inclined to take the payout. The future is not guaranteed and hes somewhere between 8-11 years out from even starting to receive payments.Take that money! 