I'm now living off 4 S.P.I.A.s (Single Payment, Immediate, Annuity). Now in the RMW stage (Required Minimum Withdrawal). No regrets. Fortunately, I'm loosing money in the hay business, AGAIN !!! Thinking of hitching a ride to Arizona with my 2 dogs to border cross, getting them free phones, medical coverage, and voting rights via a driver's license, here in Michigan. The govt transport planes will bring us back here to Grand Rapids midnights for free, as they do every week now.