I am an 80 yr old retired engineer from the former Bell Telephone Laboratories. If I predecease my wife (almost 10 yrs younger) our "guaranteed" income (pension and Soc Sed) falls a whopping 78%. I need to generate an income stream to replace the lost income. DGI utilizing compounding should go toward accomplishing this. In fact, this income stream will be a vast improvement on my pension income which has not increased one penny since I retired in 1993.