I am retired and hope to be a whole lot richer in retirement with ARYC I live near Camp LeJeune. Many other retired guys keep asking me why I have an IRA when I get a check every month. My answer to them is, I do not sit around and wait till my check hits the bank so I can grocery shop. I can't believe people do not invest in their future. They all feel the gvtmt will give me money if I run out