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Start paying them down. if you can knock out of bunch of them its going to be easier to tackle that debt. >> its true. if you get somewhere into it. next question is from lawrence. im 55 years old and in good health. do you have a formula for knowing when to take a lump sum payment versus a monthly pension check. thats a dicey one, doug. what do you think? >> theres no magic formula. someone is 55, that comes to mind thats probably a reduced pension number. you usually get a reduction for not wa...