More millennials are having strokes and will need to amend their retirement plan. Today I discuss disability insurance and replacing income.

Summary: Hospitals are treating more people with strokes and the percentage of millennial patients has increased. People sometimes end up rebuilding their entire lives after a medical emergency and completely changing retirement plans. Today I talk income replacement after major medical issues. Other topics: • The bond market • A popular Roger Ibbotson article on indexed annuities • Do annuities ever make sense when 99% of them are awful? • Jeffrey Gundlach’s 2018 call • Savingforcollege.com