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But what frosts is the premise they have that our retirement years are to be conducted as if what we do is sit around amusing ourselves with whatever retired people do to fill time preparing for death. As I say, a period of ‘did anyone dust Michael today?’

Damnit, I ain’t a dead man walking. I may live whatever years but damned if I am going to go into that night not enjoying the life I live now. And damned if I am going to fall into what I am, by the insurance company and the bank, deciding how I should live.

Good for you!

Yes, that DOES often seem to be the way younger folks (and some of our so-called "advisors") seem to think"! They all assume we "older folks" just sit around, getting "dusted off" (good way to say it!), and doing nothing! We have LIVES, too, dammit! And we also have minds and intelligence, and WE can choose what to do with OUR money, too!

Those annuities offers can all go into the trash, as far as we're concerned! Sorry! We get those pitches, too, but no thanks! I/we will deal with whatever money we have on our own, thank you! (I admit to being a maverick in that regard, having independently managed my/our IRA's for years now...)

Good luck to you and your wife -- and congrats on the books!

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