Insurance annuities are not as risky as municipal bonds. What's more, your state's insurance commissioner guarantees them, similar to the FDIC guarantee on dep

Insurance annuities are not as risky as municipal bonds. What's more, your state's insurance commissioner guarantees them, similar to the FDIC guarantee on deposit accounts, up to a certain dollar amount (I think it's something like $100K). So you have $2 million in F-you money? Stick $100K each into 20 different insurance company annuities (staying below the guaranteed amount and diversifying your risk) and enjoy guaranteed monthly (inflation adjusted) checks for the rest of your life. The only thing that will stop your income stream is the complete destruction of the entire US financial system. I suppose that is possible, but if that happens your money won't be safe anywhere, except perhaps gold bars buried in your back yard...