The Ultimate Retirement Guide for 50+

KG: I started reading your book, The Ultimate Retirement Guide for 50+, and I know you recommend 100% joint and survivor if possible. We believe our retirement accounts will grow to over 3 million and more within 10, 15 or even 20 years. With all this in mind, would you still recommend giving up a lot of extra money on 100% joints and survivors knowing we have these other assets? Susie: If you're really not worried about money at all, you definitely shouldn't be worried about choosing the 100% joint benefit with a pop-up.