In this episode, I walk through a real conversation I had with someone nearing retirement who wanted guaranteed income starting in five years. Her advisor told her to stay in the market—but when we ran the numbers, the math just didn’t add up.

We talk about:

How much return it would really take to match a guaranteed payout

What happens if you wait to buy the annuity later

Why starting a deferred income annuity early can lead to bigger, more reliable income

How this strategy removes market risk from your retirement plan

If you’re thinking about locking in income for later in life—or just want to stop stressing about market swings—this episode is for you.