I must be missing something here. Simple math tells me to do nothing here and wait until I'm 62 and take $283 a month.
($283 * 12) / $35,124.97 = 9.66% annual return
(191.92 * 12) / 35,124.97 = 6.55% annual return
If it take $35,124.97 cash and put into the market, will I get better than...