Suze Orman

So, Al, you're going to have to decide that.

You may want more if you really need money in the G fund than the C fund, just so you know.

No, I wouldn't.

I would either, well, really what she needs to do is figure out what would three years of her living expenses really be that's beyond what her pension is going to be or her social security.

What is that gap between her guaranteed income

and what she needs for three to five years actually of living expenses.

And whatever that gap is, that should be in the G fund.

Or if she does an IRA rollover, a Roth IRA rollover, then that would stay in a money market fund for her, wherever it is.

All right, next KT.

Kathy, the main reason that you would lose your spouse's pension when they died is because, number one, they chose a pension that was a life-only pension, which

which means it's good for his or her life, period.

And after that, there's no more money.

And normally, one chooses that because they feel like, I want more money now, we need more money, you won't need as much when I die.

So the largest pension choice is life only.

Then it starts to decrease when you want to leave a joint and survivor benefit.

The biggest decrease is when you get 100% joint and survivor benefit, which means spouse dies, you get 100% of what they were getting.

Many people opt for a 50% joint and survivor benefit.

I always say that is a serious mistake.

If you have the option, I don't care how much money you have or how much money you need, always do 100% joint and survivor option, unless you know that the spouse that you'll be leaving it to is seriously ill, isn't going to survive you by any means.

And you know that without a shadow of a doubt, and or they have what's called a pop-up option, but that's a whole nother podcast.