 So I do think you have to get it to work. That's clear. I'm somewhat agnostic, although the math is generally better for a lump sum dump. I hope that helps. If you'd like to join us on the program or write us a note, just go to JillOnMoney.com and click the Contact Us button. Don't forget to check the box if you'd like to join us on the air live. The Jill on Money Show, we will be right back.