How a safety-first retirement approach using income annuities is more predictable and takes less money than depending entirely on your investment portfolio to fund your retirement.Topics covered include:The difference between a safety-first and probability-based approached to retirement.How income annuities work.Why setting a sustainable retirement withdrawal rates requires planning for below average market returns and above average life expectancy.How using an income annuity and other guaranteed income to fund basic living expenses means not having to set a sustainable withdrawal rate.How long can retirees expect to live.Why most retirement portfolios are not as liquid as retirees think.Why are retirees hesitant to use income annuities and how to overcome the fear of doing so.Thanks to Policygenius and Vistaprint for sponsoring the episode. Use code David50 for Vistaprint.For show notes and more information on this episode click here.