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[Music] Jacob is with us in Florida hi Jacob welcome to the Dave Ramsey show hey Dave thanks for taking my call we sure did whats up you know a BA two quick questions hopefully can get to the quick this one is on my life my 31 years old and my question is should I sell my tax be shuttered sediment for lump sum of 2 point 1 million dollars to pay off debt and invest the rest for retirement in the world that you get a tax-free settlement that size for thats the question is it still wrongful death situation my mother had passed away years years ago so just something that I know considered pretty yeah so they are paying you in X number of dollars over a long number of years that amounts to a total of 20 million dollars and you can sell they sell it for two million or something like that yeah the aggregated about six million today it sold until 2060 at $1 of 2060 and then it all ourselves day the cash value about 2.1 million somebodys trying to see if we really just want to set up for r