So that lump would be about $15,000 after taxes? I can see the advantage of doing the shit you have/want to do now and be done with it. I would roll it into an IRA but you have to decide what works for you because you're mileage may vary. 
I think you need  CROWS on that fence.   
		 
		
		
		
		
		
		
			
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				The descent of man ~ Nixon, Friedman, Reagan, Trump.
			 
		
		
		
		
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