He proceeded to tell me proudly that he had sold more of a certain type of deferred annuity than anyone else in the U.S. Obviously, no matter what his clients need, they get a deferred annuity.
If some day you do reach the happy position of achieving your retirement savings objectives, you can reduce stress even further by putting some of that money into a low-cost annuity that will guarantee you a certain level of income for the rest of your life (options that cover a surviving spouse, or are indexed for inflation, are available but reduce annual income).