 Now, clarity. Does it give you clarity on how your life is going to be when you retire? It does not. It's a lump sum. We call it a lump sum time bomb sometimes because the lump sum is a good barometer to show you what kind of job you've done saving money, but it doesn't give you any clue as far as how much income you can get from that lump sum per year for the rest of your life and the rest of your spouse's life without ever thinking.