 If you're lucky enough to have a pension, that's pretty closely guaranteed. So when it comes to that third leg of your stool in retirement, where is my money coming from in retirement? You want to make sure it's guaranteed as possible because having a true income plan in place means that if the stock market goes up 20%, I have the income that I need every single month for clothes on my back, food on the table, roof over my head, whatever it is I'm spending my money on.