[TiểuHồLy]

When I reach 60, I can take out to spend   no longer broke after that. It's just there that I can't touch at the moment. I am counting 4 more years while living on pension. 

I am tired of renting, going to get rid off the rental home soon. Even you have property management, you still have stress for it. It 's not easy like you just sit there and collect monthly rent. Like the wind damages the roof, tenant can't fix it, you have to do it yourself or hire someone, and a lot of them don't want to fix a small damage unless replace the whole roof. That's ridiculous. 

I think a bun of my coworkers bought home in Arizona during 2005-2010 to invest, they hired property management then all went bankrupt after 5 years. 

I already have plans to keep the money growing without losing anything at low risk. At 5% CD, it can give me interest and dividend 50k-100k/year. If something changes, I can go whatever options available. 

Btw, you want to keep cash in stock account instead of banks because banks interest is low. Now is easy to transfer cash from stock account to bank or vice versa. Cash in stock account (Fidelity) pays at least 2-3% monthly interest. Sometimes, it pays dividend as well. 

Uh-oh! Don't assuredly state "No longer broke" too soon, brother. I've learned from social networks that most single retired men return to VietNam to reminisce about their childhood memories and spend the rest of their lives in a peaceful village with natural scenery. Eventually, they called themself "Miserable." So be alert! Bring your spouse everywhere you go. 

I agree that rental property is a torment, as I've also been through those terrifying experiences. Expanding the roof discussion, is there a limited year or time frame to replace the concrete tile roofs, brother?  

2008 - 2012 was a fancy time to buy houses in Arizona and other states. If your co-workers bought houses in 2005, they were at the cliff. Further, their property management might sneak and siphon off, then split the half with the renters (some cases I know of).

"Harvesting joy, one petal at a time." I support your savvy plans; simultaneously avoid challenges with those risky investments, okay? I am spreading my money everywhere; if I lose some, I can still survive with the others left. It's time to relax and enjoy our delightful lives before it's too late. I don't have to wait until retirement age; nowadays, I can retire anytime. 

Thanks for mentioning the cash issue; I honestly don't want to keep cash in a stock account as I am a bit addicted to gambling. I just set the right amount for stocks and never broke the borderline. Besides, after paying taxes, filing Schedule B, collecting forms, etc., I don't think it is worth it. I invested them all, except some reserved for the business' expenses.

FYI, since the IRS provides "Free File Fillable Forms," I do mine yearly without paying a penny for tax software.

Sorry for the late response, bro. Have fun!