Are you lying awake at night, haunted by the specter of running out of money in retirement? You're not alone. The fear of depleting retirement savings is a top concern for many Americans, outranking even the fear of death itself[8]. But what if there was a way to alleviate this anxiety and ensure a steady income stream throughout your golden years? Let's compare two popular retirement strategies: the traditional 4% withdrawal rule and fixed index annuities.