<prompt> Human: Hey PF,My mom is 59 and hasnt worked in 20 years. Her parents passed away recently, leaving her 180k. Im pretty sure this is all the money she has. She sought out a financial advisor with the following goals: Live off that money, but... Leave most of the principal untouched so she can pass it to her kids. I think she should abandon this goal in order to improve her chances of living entirely off the money.Making this even more difficult, the split the money into 3 parts: 60k lent to Dad to be paid back in 6 months 20k in cash to live off of in the short term 100k to investThe advisor is pushing her to put 50k each in: This variable annuity with a 3.4 annual fee A fixed index annuity called Power Index Plus by American GeneralOther details: She doesnt have a budget, and doesnt know what her average monthly expenses are. Ive told her to get on Mint. Her house is worth over 1M, but if she sold it to live off the money, she would have to live somewhere kinda crappy. She was kept out of work for so long due to disability and addiction.Im pretty sure the advisor is just chasing a commission, but these products are so complicated I dont know how to properly evaluate them.Are these products any good? If not, what would better address her needs? Im leaning toward a fixed annuity through Vanguard but their calculator quotes less than a 500mo benefit. Can she do better?Thanks!  <response>: Shes not going to be able to live off interest on 180k. Thats not reasonable. She should sell the house and downsize to free up some capital. That being said annuities are awful. If you cant understand what you are investing in, you shouldnt invest in it. You need to dump that financial advisor and find a fee-only fiduciary. 