Barrettscv,
You might want to try talking with a financial advisor to see if he can help you route your money into something that will work for you. You don't need to be super rich or wealthy to have a financial plan. Many years ago, I had one come and talk to my wife and I and we started off with what little we had in savings. I was told, by that same financial advisor, that the secret for a successful retirement is going into it debt free and that has always been my main goal. By following our financial plan, we have been debt free for almost 10 years. Both my wife and I came from dirt poor families growing up, so we never did get into the habit of spending big money on stuff we really didn't need. The only two things that I have really dumped some money into is my custom show car and now, my cycling addiction.
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HCFR Cycling Team
Ride Safe ... Ride Hard ... Ride Daily
2017 Colnago C-RS
2012 Colnago Ace
2010 Giant Cypress