 Now, you can get a joint pension. You and your wife can both get, for as long as both of you are alive, or even if one of you dies early, the other one will still get it. And that's fine, but once the second- That's the only way you can change an IRA with JRA, joint retirement account. Exactly. But once both spouses die, then that money is generally gone if you didn't live a long time.