Dear Patriot,

Yesterday, we looked at the health insurance gap early retirees face—and the pricey surprises that can follow. Today we’re shifting to one of the biggest debates in retirement planning: should you buy an annuity to lock in income for life?

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Fun Fact Of The Day

A 65-year-old who buys a lifetime annuity today could receive $600 to $700 a month for every $100,000 invested—but inflation can erode that buying power fast if the annuity doesn't adjust.