Should we take the lump sum from wife’s old job?

Should we take the lump sum from wife’s old job? Bottom line - I make $200k plus about 20% bonus, she makes 70k but is planning to retire soon. She’s 58. I’m 53. I plan to work for about 10 more years. The job she worked in her 20’s has a retirement plan and they’re currently offering a lump sum of about 75k or a monthly payment of $625 (with 50% of that to me if she dies). We have about 9000k...

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