 well presuming that your husband is still working Stephanie and you don't need this money and you're pretty sure that it's going to grow you might want to confirm that I can wait you know generally speaking the guarantee of a pension especially one that has a cost of living adjustment it's so amazing for your retirement years and so unless you really need this money I'm inclined to have you wait as well and while we're talking about waiting I just want to weigh in you didn't mention Social Security but I