"[The Motley Fool] took data from a GAO report that includes the current financial status of households between the ages of 55 and 64.... [T]he median annual income implied by the [Motley Fool] chart is only $4,085 for households that buy an annuity and $3,098 for households that go with the '4% Rule'....Realistically, families that have saved less than the median savings would probably be better off using the savings for emergencies rather than annuitizing them."