 It will be there for the rest of your lives, and I say lives plural because if you're married, you want to make sure that it lasts for both of your lifetimes. What happens if the husband gets struck by lightning on the golf course at age 75? I'm sorry, guys. And the wife lives to be 95, 20 more years of retirement. Don't you think it would be a good idea to have that income still coming in after 20 years without you, the husband?