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Be sure to provide for inflation in your planning. Look at what the items you buy now cost 10 or 20 years ago. What will they cost in 10 to 20 years? Try and get an annuity that will be adjusted for inflation, or a deferred annuity that starts paying you in say 5 years and another in 10 years etc. May want to go to a CPA to discuss your assets and expenses and get some advice on what you can do in this area.
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