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  1. I got a letter from DRV. I can pay some thousands of € to increase my monthly pension which was reduced because I claimed early. A rough calculation suggests I would get the money back in 20+ years. But, pensions keep going up, so the extra 3.6% per year will be more in cash terms. But, nobody knows.   My instinct is to pay for the extra, somehow feels better to get more each month than to have cash in the bank.   What would others do?