 to transfer that risk of running out of money before they run out of time. And is it a right decision to make? It really is. It's really a reflection of who you are as a person and what it is you want to accomplish, how much flexibility you want to have. And as you're thinking about this, as you're sitting in your car, as you're at the house thinking about, hmm, what should I do about my income? I've been thinking about this. I've had conversations about it. I Googled it and it said I hate annuities and you should hate annuities too. Think about the amount of risk you're taking