 makes sense to do some kind of this is basically a form of a fixed annuity he's got some kind of guarantee his social security is guaranteed as well right but it's the federal government if we lose social security we're all in trouble you're right he didn't he didn't give us any numbers on this but let's say the spia is going to cover uh 30 000 a year he's got social security is covering another 40 000 a year let's say so you know he's got 70 grand he's covering all his bills with guarantees his stock market stuff or his real estate that it's unpredictable