I have all my money invested in an annuity and draw off the interest each month to supplement my social security. If I had a big windfall it would get invested so that I could have more interest to live off of each month. I may scrape some off the top to do a few remodeling projects around the house that would make my life easier.
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That’s a smart thing to do.
Don’t spend the principle. Only way money will last is spending no more then the interest.
It works for me!