 When you die, that money is laying there. In the meantime, it is earning more than it would have made in the pension, and so it's good news all the way around. But if you don't have a SmartVestor Pro, go to RamseySolutions.com, click on SmartVestor. You can get a list of the people in your area that are in our SmartVestor Pro program that do things the way we teach, and then you can meet with them and choose among them the one that best suits you.