I am 50 and have been offered voluntary redundancy of a lump sum circa 50k and a continual income stream of half this until retirement age of 65. I am mortgage free with 3 kids 2 almost finished college. Other half is pretty secure although not with a huge income. The question is am I mad not to take this? Shift work is getting seriously more difficult as I age and I do not envisage looking for other employment. Pension wise have a PRSA and defined benefit pension which is average at best. This was not in our plans and so savings are circa 50k. I will not have to go there may be restructuring but nothing I cannot handle other than the effects of shift work on the body. Any thoughts gratefully appreciated.