 You make a deposit, and whether you need the money this year, next year, the year after that, five years down the road, is your choice. If you need the money starting 30 days from now, that's also your choice. But what matters here is that you're going to provide yourself with guaranteed retirement income. Now, I want to emphasize something here. That guaranteed retirement income, if you're married, should be guaranteed for both your lifetimes.