we are going to laura in arizona. go for it! >> hi, suze. my husband received an inheritance of about $80,000. and it's been over a year and a half, so that's money we have to play with now. there's no taxes or anything that we're gonna have to pay on it. we need some direction on how to best invest it without paying a fortune of fees. we have talked to a financial advisor, and he recommended that we put it in an annuity... >> i knew it. i always go -- before you said that, i was gonna say, "wait! wait, let me tell you. i can tell you what the financial advisor said -- either an annuity, a variable annuity, a variable life-insurance policy. i knew it. i knew it. did that advisor also say to you that, "if you put that $80,000 in there, i'm gonna make about $4,000 of commissions". did he or she happen to tell you that as well? >> he did not tell us that, but everything i've read online about annuities tells me that, and so i'm really hesitant to do that because it's annuity that guarantees 5% return, but the fees are 2%. >> for how long? yeah,