Annuity 100k at 9% rate of return future value in 20yrs $1M

At 30, you want to retire in 24yrs and so you put away $400 per month in a long term savings plan that is safe, secured and with decent rate of return.

At 40, you moved to another company so you want to move your 401k to another retirement account that has a rate of return between 7-11% or more and conservative at the same time.

At 60, you want to have income for life from your savings and live wisely and ensure that your health and retirement money will last as long as you live.

At 70, you want to stay at your home while your health is giving up with the care of caring caregivers

What are your plans now?