<prompt> Human: hello pf! throwaway account and sure, its first world problems. but after 30 hard years of work, its time to retire and i need your help making the best decision.i have two options:2,400 monthly for the rest of my life 30 years? OR 1,800 monthly for the rest of my sons life 60 years?im sure this is highly dependent based on how i invest the money, but any help would be greatly appreciated! i went to a financial planner who told me to take the 2,400 but ive saved enough for my retirement so this is really to support my family beyond my lifetime. so if upfront is still better with soundsafe investments id love to know!thanks friends  <response>: The money up front is worth more. If you do live 30 more years, after that point, 1800month will likely not be as much as it sounds like right now.If you want the money to be for your son, take the 2400 now and invest all of it. 