Hypothetical question time. If you could somehow cash in years at the end of your life for upfront cash, let's say $100,000 per year, would you cash in any years? Basically you'd live 1 less year than you would normally for each $100,000 you traded for. Obviously hypothetical but could make for some interesting discussion. Considering nobody knows how long they will live I wouldn't cash in any years. I might end up in the ground with $100,000 to spare if I got too greedy. I'd rather live out my life and see where it goes. I wouldn't even trade 1 year for $100k. I know I'd regret it later on.