Hi ImanAfter reading this entire thread, IMHO with $900,000 in liquid assets and $22K/yr in SSA benefits at 80 years of age, her financial position would be envied many folks in the USA. According to the SSA 2006 Actuarial Life Tables http://www.ssa.gov/OACT/STATS/table4c6.html she has an estimated life expectancy of around 90+ years of age. It may be a bit higher today as new data is released. But in any case, I think most everyone reaches a point in their life when they think "I should be concerned about how to enjoy the money I have accumulated over the years ... rather than worry if I will outlive my savings." I do know that on a personal basis there have been many times when I've said to myself .... darn I should bought this or that ... or done this or that when I could have really enjoyed it (and I am only 66 and not wealthy) .... Life changes on a dime and then it just may be too late. Just sayin'Best Regards,Richard
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