So, take it easy. If you had listened to the experts who were dispensing the best advice available 20 years ago and locked yourself and your wealth into a plan which guaranteed to remit the then prevailing 'safe amount' of an income stream of $500 per month (a lot back then - pocket-change today) for the rest of your life, imagine the desperate poverty that you would retire to today. Stone soup would be a luxury.
Yes, we need more money now but who knows what this money will be worth tomorrow. Yes, we need more income, but who can possibly know the state of the world three months from now ... much less 20 years from now? Nobody knows for sure the 'what and where' of interest rates and inflation rates and the value of money. It's just not possible.
