<prompt> Human: I recently retired from my job for a variety of reasons. I had worked there for 5 years and amassed an 11000 dollar pension. I can either take a payout now or get 43 bucks a month for the rest of my life. I figure I have about 40 years left on the planet. Im 37.I have about 8k in credit card debt so the check would basically wipe that clean.Im thinking I should do the payout option. Correct?If I wait till 60 to start receiving checks the monthly check estimate was only 120 dollars or so I received a job offer today and will accept. It is for less money but still a comfortable salary.  <response>: Over 40 years, thats just 20k. Account for inflation and youre probably losing money. 40 years from now, 43 bucks will be worth a lot less than today.Credit card debt has really high interest rates. Take the money and wipe it clean. 