Stop in for a cup of coffee

Buddy put an inheritance into investments. Investment company pretty much bled off 25% of it before he got wise.

i put my pension into low risk investment rif and its gone up considerably in just over 5 years.
Its not much, but better than nothing.
It's tough to set some aside for retirement when you're self employed. I was lucky to have some accounts receivable, inventory, and a truck to sell when I retired.