Don’t Be a Tater, It’s About Income Later

November 23, 2025
6 min
Don’t Be a Tater, It’s About Income Later
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Don’t be a tater—it’s about income later.

In this video, I explain how to plan future retirement income using Income Riders, Deferred Income Annuities, and QLACs, so you can fight inflation and secure lifetime guarantees on your terms.

Watch and Enjoy,
Stan The Annuity Man

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0:05
[music]

0:07
Hi there, Stan the Annuity Man,

0:09
America's annuity agent, licensed in all

0:11
50 states. Originally from the areas in

0:14
North Carolina around Charlotte, those

0:17
mill areas. So, I'm going to talk like

0:18
this a little bit because I can just

0:19
switch it. I can flip it. I can flip it

0:22
and I can talk southern. Sounds good. I

0:24
can talk Charleston Southern, North

0:25
Carolina Southern. I can talk Alabama

0:27
Southern. [snorts] But the title of this

0:30
video is don't be a tater, it's about

0:33
income later. That's kind of fogghorn,

0:35
leg horn, stand horn, leg horn. Why did

0:38
I use tater? My consultants ask because

0:41
it rhymes with later. And being a tater

0:43
in the south is is don't be an idiot.

0:45
You know, don't be a or was it Ron

0:47
White, the comedian? You know, they he

0:49
his big joke is they used to call me

0:51
tater tot. Remember that? So if you pull

0:53
up Ron White and tater tot after this

0:55
and you'll laugh, but don't be a tater.

0:57
It's about income later. And what do I

0:58
mean by that? When it comes to two

0:59
annuities,

1:01
all of us, even the market mavens out

1:05
there, when we get to that sec second

1:08
chapter of life where it's about

1:10
lifestyle, it's also about income that's

1:12
flowing in. And that could be pension

1:14
income, social security, which is the

1:16
best inflation annuity on the planet

1:18
income. It could be dividend income. It

1:20
could be rental income.

1:23
It could be income to address inflation

1:26
in the future. As we know, it's always

1:27
going to get more expensive. So, with

1:30
annuities, and remember, annuities solve

1:32
for four things. The acronyms bill,

1:34
principal protection, income for life,

1:35
legacy, and long-term care. Income for

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life can start now or it can start

1:40
later. Now, the cool part about that is

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with annuities, we're only we the

1:45
annuity man, the gorilla in the room,

1:47
licensed in all 50 states, thought

1:48
leader.

1:50
With annuities, you can say, "Hey, Stan,

1:54
I want income to start in six years,

1:56
seven years, 10 years, 12 years,

1:57
whatever that time period is. You can go

2:00
to our site, run the quotes, and know

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exactly to the penny contractually what

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that lifetime income stream's going to

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be when it starts down the road. So, you

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can plan, not some arbitrary

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hypothetical theoretical unicorn chasing

2:14
the butterfly number, actual number. So,

2:18
let me give you some examples. Stan, I'm

2:20
looking for income later. I want to

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combat inflation and I'm 65 years old.

2:25
Okay, which is a little bit older than

2:27
me, but not much. I know you're saying,

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"No, there's no way, Stan. You look like

2:30
a vibrant 42y old." Listen, I got cowboy

2:33
boots that are 42. Just remember that.

2:35
So, you're looking at how do we address

2:37
inflation down the road? Well, you could

2:40
have you could buy just an idea. You

2:42
could buy four different income later

2:44
annuities and have it start at say age

2:48
67 70 7275 and know to the penny what

2:53
that lifetime income stream is going to

2:55
be. Or if you want to set it set it up

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joint with your spouse they've put up

2:58
with you for all these years then it's

3:00
going to pay for as long as one of you

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is

3:04
breathing. Okay. So if you die, if your

3:06
LJ jet or bass boat hits the wall,

3:09
right, then the income's going to

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continue uninterrupted and unchanged in

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a joint life setting. And we can

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structure that income later annuity,

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okay? We can structure it so that 100%

3:20
of any unused money goes to your list of

3:23
beneficiaries and not the evil annuity

3:25
company. But you go, "Wait a minute,

3:27
Stanley.

3:28
Stanley the annuity manly. What happens

3:30
if I live forever?" They're going to pay

3:32
forever. That's the That's the transfer

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of risk benefit proposition. You're

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saying, "Hey, annuity company, I've got

3:39
this income later thing starting here."

3:40
But my grandpappy and my grand Yeah, I

3:43
like grandpappy. My grandpappy lived a

3:45
110. What if I lived to 110? Stan the

3:48
annuity man. Annuity company's on the

3:50
hook to pay. Meaning that you could get

3:52
to the point where the annuity

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has zero in it. You've drawn all the

3:57
money out. What happens instead? They

3:59
continue to pay. You're in their pocket.

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That's a good thing. It's a transfer of

4:04
risk. People always say, "What's the

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return on investment on that income

4:07
later annuity?" I don't know. Tell me

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when are you going to die, Chester, and

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I'll give it to you on the penny, on the

4:12
money.

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By the way, death is not a good

4:15
strategy. You can only use it once, but

4:17
it is effective in some cases. Just keep

4:19
that in mind. But the point is, don't be

4:21
a tater. It's about income later. Plan

4:23
for the future. If you don't need income

4:25
now, plan for it later. Remember, all

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lifetime income is based on your life

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expectancy or life expecties

4:34
if joint at the time you take the

4:36
payment. Older you are, the higher the

4:37
payment. Sound familiar? If you start,

4:40
Here's the quiz. You can take it right

4:41
now. Get your pencil out. Pen. If you

4:44
start Social Security younger, are the

4:46
payments lower or higher than if you

4:49
started it at an older age? They're

4:51
lower because the older you are, the

4:53
higher the payment because there's less

4:54
life expectancy, which means there's

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less scheduled payments, which means the

4:58
payments will be higher. Don't try to

5:02
figure out anything more than that. It's

5:04
really that simple. Now, income later

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really comes down to three products,

5:09
okay? Income writers, deferred income

5:12
annuities, and qualified longevity

5:14
annuity contracts, which you you can use

5:16
inside of your IRA. All three of those

5:18
we quote all carriers at my site at the

5:20
annuity man. All three of those I've

5:23
written an owner's manual that you can

5:25
get for free at my site. All three of

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those I've done numerous videos on if

5:30
you want to go down the rabbit hole. All

5:32
three of those you can get quotes and

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then talk to someone at the annuity man

5:37
to get more information and get your

5:39
questions answered so you can make your

5:40
decision on your terms and on your time

5:43
frame. We are not a hammer looking for a

5:46
nail. We are edutainers and the best

5:49
people out here to do that at the

5:52
annuity man. My name is Stan the annuity

5:54
man. See you next time.

6:01
[music]

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