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Me 4. I posted this on the Time vs Money thread but I'll cross post it here.

Yep that's an easy one. I would take the $58k today rather than wait another 10 years when my health is worse and my libido has declined or I could be dead.. there's no time like the present. You could wait another 20 years and retire with $200,000 or wait another 40 years and retire with...