Money I don't spend

That would be retirement money. Carol and I are still in the process of making changes in our retirement savings though it seems for all the answers we gotten in the process with our financial adviser more questions or tasks have appeared. Not only are we sorting through the money part there's long-term care insurance, an estate plan and refinancing our debt at lower interest rates. On the surface it all makes sense but looking under the hood there are things whirling around that will take some study to get a grasp of it. At the moment understanding annuities is at the top of my list – I'm leaning towards avoiding them at this stage of the tuneup, your mileage may vary.