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“A ton of details are missing in order to give a meaningful reply. But other than that, yes.” * Yeh, agree. But, if you want to protect your $500K And not spend it down, let’s you invest it so it willl earn about 5% that converts to about $2,100/mo pre-tax. Also, if your little nugget is pre tax and you split a 401K with her Roll it into a IRA. If it’s, post tax money put as much allowed in a Roth IRA as the earnings are not taxable. There are lots of variables on how to manage your finances, age being a big one. So, I suggest you find a financial planner to provide guidance. Btw, you won’t have to split your SS with her but she will be eligible to file off of your earnings if she wants to when the time comes. If she remarries she can choose who ever provides the most favorable pension. She doesn’t have to inform you. In fact, you will never know unless she chooses to tell you. Get and advisor, best investment you will make 😉