401k ira annuity words 3 red dice luck risk investment savings

401k account advice adviser advisor annuities annuity bank banking benefits better budget budgeting cash chance choice choices choose decide deciding decision dice dividends earn earning finance financial good grow growing growth idea increase increasing individual interest invest investing investment ira luck lucky money option options plan planning retire retirement retiring rich risk risky roll rolling safe safety save saving savings secure security smart strategy tips uncertain uncertainty unsure wealth wealthy wise word words