"There are two ways to read Scripture - the way a lawyer reads a will and the way an heir reads a will."

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People worry that if they buy an annuity and then die before the policy starts to pay off, their heirs will lose out. I tell them, "What you should be more worried about is if you outlive your money, you will have to move in with your kids. Ask your kids which of these outcomes they are more worried about."

— Richard Thaler