Gotcha...
Yep the amount she is due from TRS is about 600 a month with a 17000 cash value
If I figure it right she would get spousal benefits minus 400.
If that is right she would still be spousal+200 if my calculations are correct.
If these calculations are correct it would payoff at 8 years.
So the question is to take it out lump sum or gamble on living 8+ years.
Im ordering your book right now and downloading your free PDF.