I have pretty good genes because I still have very few grey hairs on my head.I am open for any proposal you might have for me.  

. $120k is a fat salary for an individual (although if you are wanting that yacht life, it may be a bit low...).

Sometimes it takes a fat check like in your case.

I'm beginning to see why Banks want to turn away business for such small sums as say less than $50k, because their FAT flat fees do indeed make it true that "much higher legal fees make not a big difference in bigger deals, it does in smaller transactions"!

And with all the money you saved from living there for free or almost free use it as a fat down payment on something nice and have that cash flow too.

Cut the fat from the deal.

But you should know that retirement accounts can be self-directed, meaning that you now have the ability to invest in alternative investments such as real estate, tax-liens, trust deeds, private lending, etc. etc.I would argue with you that that one of the worse plans that the insurance industry has come up with is the cash-value insurance policies that some of the insurance agents sell who are interested in fat commissions checks when they sell such policy and disguise them as retirement plans. 

@Gene Guarino  Thanks for your input.  

I'm interested in debt instruments and how I can be a fat cat too ;)Please advise.

and people can smell your fat wallet coming from a mile away.