Subject: Re: OT mostly: forevers
"Last but not least, any non-index based plan is destined to fail anyway, because sooner or later someone will come along and convince your spouse to tinker with the portfolio."

The best comment I´ve read here since a looong time.


Even worse than tinkering is convincing them to buy an Indexed Annuity, with guaranteed payout and 100% protected from market crashes.

My Mom got suckered into buying one of these after my Dad died.

When she talked to me about it many years later, she said that that was the worst financial decision she ever made.