<prompt> Human: Here is the article. IMO 1 mil in payments is better than 650k all at once.EDIT: TIL it is much smarter to take the lump sum. Invested properly it will pay off better because inflation would negate the extra received from payments. Thanks.  <response>: the payments dont increase with inflation so his 50k per year will always be 50k per year, even 10 years down the road when that 50k is worth half of what it is today.if he invests the 650k properly it will probably pay off better for him 