 Roll IRA over, the annuity will become an IRA, a 401k IRA annuity, TSP IRA annuity, 403b IRA annuity. Some of your money, put some of your money. How much? I don't know. I don't know your scenario. Don't do it just for the bonus. The bonus is powerful. But do it to create a second pension, a third pension, guaranteed income. I found that over time, the people that have the most guaranteed income,