Working Americans who save for retirement spend a lot of time and energy making decisions on how to save. It’s confusing, it’s hard. But you know what? It doesn’t get any easier when you hit retirement. One of the biggest stresses is trying to organize your finances when you don’t know how long you’re going to be around to need them. Economists have a favorite method for dealing with this anxiety: It’s called an income annuity, but it’s not quite a household name yet.