Congratulations! You have finally accumulated $1 million in assets after working, saving and investing diligently for 20 to 30 years. The next question is, how do you convert $1 million in assets into $1 million in income streams to support your retirement? This is the question that I encountered as I thought deeper about Retiring at 40. Many people hope that they do not need to draw down on their accumulated assets as they enter into retirement. This is a very important psychological consideration, because, if you need to draw down on your assets, how do you ensure that they will not be completely depleted before you leave this world? You would be living in constant worry, unless you have additional income streams from children and/or annuities that could last you forever. There is another equally important reason why you should avoid drawing down on your assets. When you have ... ...