In this episode we answer questions from Mark, Broken Jack and Gus.  We discuss a specific withdrawal plan and why it does not need to be too complicate, the considerations and differences between complicated or risk-based problems and complex or uncertainty-based problems, ideas for people who have not saved enough by the time they get to their sixties and why to avoid "magic button" investment strategies like buy-write funds and deal with a correction about the ETF RSBT. Links: Immediate Annuities Website for Pricing Simple Annuities:  Immediate Annuities - Income Annuity Quote Calculator - ImmediateAnnuities.com The Misbehavior of Markets by Benoit Mandelbrot:  The Misbehavior of Markets: A Fractal View of Financial Turbulence: Mandelbrot, Benoit, Hudson, Richard L.: 9780465043576: Amazon.com: Books Catching Up To FI for Late Starters:  Financial Independence - Catching up to FI RSBT Website and Information:  Bonds Managed Futures - Return Stacked ETF (returnstackedetfs.com) Father McKenna Center:  Home - Father McKenna Center  Support the show