The only part that scares me and I guess it shouldn't is I'm holding and can wait it out. I have a pension and Social Security to get by on. But at 64 if I should pass away I really don't know the rules re-guarding when my kids would have to cash out my account. I have no Wife to worry about and my Sons are now 28 and 31 so between the house, shop, cars, tools, and truck they both will get something from my estate but I would hate to see them have to "cash out" in bad times.