Frederick Vettese

I would never worry about that.

Yeah, I did.

I did have that guarantee period.

And that would be the human part of me.

The actual part of me would say, what's the point of the guarantee periods?

You're going to be reducing the amount by 3% or 4% or 5% of the payments.

And as I said, I shouldn't worry too much about what happens if I die.

People are probably going to be better off if I die than if I keep on living anyway.

Let's say the kind of mistakes I could have made.

In my 30s and 40s and 50s, I should have had pretty much all of my monies invested in stocks, for example.

You certainly reach an age when you get to your mid-50s where you can't have all your money in stocks anymore.

But I should have, and I actually did.

So that's okay.

I didn't make that mistake.

I wish I bought more shares of Morneau when they were private and when I could have bought them than I did.

But once again, that's okay too.

I don't have any really great financial regrets when it comes down to it.

One thing I do tell people, and I haven't made this mistake yet.

As I get older, I may not be as sharp as I used to be.

One mistake I tell people not to do is, if you have the lifestyle you want right now, you have more than enough to meet the lifestyle you want right now, why would you put any of that money at risk?