I am currently unemployed and looking for work with little success. I will be 51 in March. I am single. I am worried about running out of money. I currently have a qualified SPIA paying me $445 a month. I am considering purchasing another qualified SPIA for $39,000, and a non-qualified SPIA for $152,000. This would bring my total monthly income to about $1385 a month for life. This would cover my basic living expenses until I find a job. Health insurance would be subsidized by the ACA. I would have $15,000 in cash left over to cover emergencies. Social Security will kick in at 62 years old, which would give me a nice increase in income. The bulk of my money is currently in a Vanguard managed payout fund currently paying 7% which pays me $852 a month. In January the payout will be reduced to 4% which would significantly reduce my income. I am not crazy about the thought of giving up my principal to by the annuities, but at least I would not run out of money. Any comments? Thanks.