<prompt> Human: so investing in IRAs, 401ks and index funds in a taxable brokerage account sound like a good way to grow your nest egg but unless your investments generate a lot of dividends that you dont re-invest, none of these generate income that you can actually spend unless you sell off your assets...is there a way to put your money somewhere where your intent is that the initial amount is never touched but you divert earnings from that initial amount as income?this has application in real life as well but i was imagining a scenario where you win one million dollars or come into a large windfall - where could you put that money so you can just live off interest without touching that windfall?  <response>: Why dont you want to sell off assets? Especially in terms of retirement, theres a limited amount of time that youre going to need the money, before you die. 