<prompt> Human: So I have 3200 guaranted Income for the rest of my life my current overhead is 35for phone 120 for car insurance. I have savings My question is what can I do to increase  <response>: So you have 3200mo with bills of only 35 and 120?? What other bills do you have? Living expenses?? Check Prime Directive as the logic still applies even if you are receiving an annuity or state assistance or whatever your guaranteed income is. I would think you would still benefit from an IRA, though with that posted income and those posted bills you can easily max an IRA and do a brokerage on top of that. Build your emergency fund, open your IRA, and then fill your brokerage account. Read our sidebar because whether you are working or getting a monthly windfall, the logic remains the same for how to handle money 