Fluctuating means your income can swing up and swing down from month to month, or year to year, however, you have it set up. With the annuity strategies we recommend, your income can only go up, up to provide a hedge against inflation, potentially up due to index-linked interest rates, up for every year you wait or don’t turn on income, many ways. Once you start taking income, your cash flow will not decrease, that you can be assured of.