 Those are your guaranteed lifetime income paycheck. And then your play check is the rest of the money. So this is fun money. You can do whatever you want with it. Guilt-free money. You don't have to feel guilty about spending it because you know your expenses are taken care of for the rest of your life. If you want to drop 50 grand on a trip around the world, go ahead and do it. If you want to start flying first class everywhere, go do it. If you want to be frugal and leave it for your kids, do that too.