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Laurie is going to start us off this hour and Laurieamp;#39;s an Idaho hey Laurie welcome to the Dave Ramsey show thank you my question for you is whether it is a good idea to take a lump sum for your pension payments or take the payments or take that lump sum and roll it into a self-directed real estate IRA we just learned recently about that from our CPA so weamp;#39;re just not sure what would be the best route to go my husband 62 turned 62 yesterday wanted to retire yesterday and but weamp;#39;re not quite there we donamp;#39;t think that he were totally debt-free yeah in general terms I always take the lump sum and roll it to an IRA okay hereamp;#39;s why pensions are highly regulated and they make they have they have to invest in such a way that they make a substandard rate of return and so a typical pension is going to make 6 to 7% in a 10 to a 12% world okay so they donamp;#39;t do very well so if you just took the money and invested it in good mutual funds you would make