401kaheadannuitiescalculatingchriscontrolcorediscusseddrawdowneliminateendevenfinancialincomeindependenceinsuranceinvestmentissueslifeltcmanagingmarketmaximizeminimizemistakesmomentsmoneymovemythsnownumberoptimizingoptionsplanningquestionsreadyretiresecuritysocialspendingstartstrategiestaxtaxestimeunderstandingutilizingvolatilitywashingtonwaysyear