With no pension in sight, millions of Americans are making a costly annuity mistake — and most don't know it until it's too late.

This week we answer four listener questions:

✅ No pension? When an annuity actually makes sense — and when it doesn't.

✅ Your parents have a will from the 1980s. Here's why that could cost your family everything.

✅ One spouse is a spender. One is a saver. How do you retire together?

✅ What if you can afford to retire — but you're afraid you'll get bored?

Real questions. Honest answers.