Well I’ll say investment is key now and to change your financial advisor to a more profit driven one. For instance synod has always been doing exploit margin trading and I've been an investor of theirs for years now. Meanwhile I'm also a dividend investor, my wife and I have invested in the s&p500 and multiple stocks through this broker called synod, both through my TSP with the government and through fidelity in her 401-k. Synod cashed out 370k for us from the S&P and we re-invested with a fully again this time... Since 4 months ago we were 100% in the s&p after over a few years. I'm retiring at the end of the month at 59, while my husband will retire next year at 54. We currently have 5.7 million in profit savings working with synod. They've helped multiple people in boosting their savings, net-worth, income and much more. I’ve gotten quite close to the owner and we are tight friends now :)