So, there is no point in giving away happiness and health for something so . .   

And I agree @Alex Lee, there's a lot of self promotion in his book.

Where my long term concern arises is they are all 3 older and have various health problems they deal with..... so riddle me this. 

I don't like to self promote at all, but I'm going to in this case (search key word RareBird and I'm sure you'll see some recommendations for our networking meetings here on BP) as our speakers in August are soon to be retired engineers.

Justin, You can rollover your 401k into self-directed IRA, but not into HSA, which is Health Savings Account and not a retirement plan.There are several reputable providers here on BiggerPockets who are active on the forum, just search the forum for related keywords and you will find out who they are.

There are many folks who will tell white lies in this direction which I cannot promote so think being honest is the most sincere way to generate a response without imposing on them.

Now a quick disclaimer I am not in no way shape or form affiliated with roof stock nor am I paid to promote them or anything like that so invest at your own risk!

Several major health care corporations have moved their headquarters to Nashville.

My wife is a RN but has had to take an administrative position due to health reasons.

I have been successful in moving up the corporate ladder but my income seems to be topping out at a more rapid pace than my promotions.