If you're trying to figure out howmuch you need in your retirement kittyto last through your lifetime, here'ssome helpful math. Say you have a $1-million portfolio that's earning 7.3%and you take out $40,000 in the firstyear of your retirement, upping thetakeout each year to adjust for inflation.Using that scenario, the odds are6-to-1 that you will outlive your moneyafter 30 years. If you increase the first-yeartakeout to $50,000, you run a 1-in-3 chance of going broke in 30 years.: An immediate fixedannuity that guarantees a monthlycheck no matter how long you live maybe worth a look. If you're currently age65, you can buy a $1-million single-premiumfixed annuity and receive about$5000 a month in income guaranteedfor as long as you live.