 running out of money. How much control does it give you when you know you have lifetime income? As opposed to a 401k where you don't have lifetime income. You could, but could is not a word I like in any plans. Do you like could, should, would? No, not in a plan. It has to be with surety. And you need to have that financial fill-up strategy that gives you a check every single year for the rest of your life, also called financial cruise control or retirement autopilot.