<prompt> Human: He explained in a way that wasnt in which to save for end of life, but as to withdraw what I earn after a decade when including a floor. I do not want to create a very long term plan as of now, so this sounded interesting. I dont know if any of this makes sense. I think what intrigued me most about it was the possibility of having a ceiling thats much higher than what Im receiving by having my money stay in the bank now. Thank you.  <response>: Just open a ROTH IRA account and thank me when youre 59.5. 