So you just got into some money for one reason or another and now what are you going to do? Are you going to wait around for the next 5 decades to get a little bit at a time each year? Sometimes this just does not work out to your best advantage. I would opt for the Structured Settlements personally, because then I can do exactly what I would like with the money whether it is going on a trip, investing it or even paying something off. If you get it all at once you have so many more options in my opinion. And Stone Street has a great site that offers a lot of great information on how you can get that Structured Settlement that you may be interested in. Why wait until you are too old to enjoy it. Take the money and run I say…enjoy it and do what you want with it and let it gain interest in your account as opposed to someone elses.