With more companies offering lump sums at retirement, the question of whether or not to take the payout or take the monthly payments is springing up in more and more American homes. Would you invest and take your distributions over time? Would you buy an annuity? Go for monthly payments? What are the ramifications of each, and how can you know what is the best avenue for you? Mark and Tom dig into the data and bring up some points you may not have thought of regarding this important life decision.