Our insurance guy called me back today about our retirement annuity. It seems he has been doing a bit of research, and if we switch products, even at this late date, we can get a few more thousand in income a year. Sounds like a small deal, but it works for me. He's coming back on Saturday.
When I think about what my mom lived on for her retirement, I don't know how she survived. We are way better off, thankfully.