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Mr. FIA-X is arguably the most popular and most requested Fun With Annuities podcast guest in our roster of financial superstars. He wears a mask because the truth and facts he provides on the Fixed Index Annuity (FIA) category can be very controversial.

Lump sum versus annuity pension, which one's better? I got a call the other day, and the guy is retiring from a very large company, saying, "Hey Stan The Annuity Man®, they're offering me this lump sum. They, the company. They're also offering me this pension payment, which is an annuity.

We are all familiar with the red hat MAGA, Make America Great Again. We know all the baggage that comes with that. Some people are in it. Some people hate it. I don't care, I'm not political. I'm Stan, the Annuity Man®. But instead of MAGA, Making America Great Again. I have a new red hat. It's MYGA, Making Yield Great Again.

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Today's topic is annuity fees.

So what is a MYGA? It's a Multi-Year Guarantee Annuity, M-Y-G-A. It's the annuity industry's version of a CD. So how do CDs work? You lock in the money for a specific duration, and during that duration, on an annual basis, you get a specific percentage. The same thing applies to MYGAs.

Today's topic is a motivational one. It's called you need an annuity cancer doctor. You're saying, "Wait, whoa, whoa, don't you cross a line there with old cancer word." You know what? I can do that because I am a recovering cancer survivor.

A few years ago, I drove to Winter Park, Florida, to have lunch with one of the most respected syndicated columnists in the country who writes about personal finance. I have been a fan of his for a long time because he is truly helping the consumer, and I hoped to become a resource for him concerning the complicated world of annuities.

What's the annuity formula? What's the present value? What's the future value? How do we do the formula to calculate the present value? You're making it too complicated, Chester. I’ll strip it down and tell you the annuity formulas that make sense and the only ones you need to.

Let’s talk about IRAs. Some people say never to put an annuity inside an IRA. I have one comment for all those people with that advice; you’re dumb as a box of hair. That's crazy talk. Why is it crazy talk? Because there's an annuity that the IRS and the Treasury Department put on the planet for use inside an IRA. So let's stop with the nonsense.

I'm going to cover a topic that is timely, especially in these markets where things are up and down and all over the place. The topic of today is "it's okay to miss out." Obviously, I'm talking about market gains or the next Bitcoin or the next Tesla or the next Apple.

One of the best personal money managers in the country is anonymously based in Raleigh, North Carolina, in a nondescript office with long-term loyal staff. His name is Owen Schrum.

Hot topic. How does a Fixed Indexed Annuity work? Some people think it is the too good to be true product. I’m here to set the facts straight. A typical call I get is, "Hey, Stan, The Annuity Man®, I went to this seminar. I got this nice invitation in the mail, and we got the steak dinner.

Spoiler alert, we're going to go through specifics.

Today's topic is a good one, the industry uses this phrase to sell Indexed Annuities. I'm a big fan of Indexed Annuities, we probably sell more than anyone on the planet, but I tell people all the time, "These are CD products.