Good question... 2 year t-bills at 2.4-2.5%. Maybe that gets you by until interest goes up. I do good stocks that have paid dividends for 40-50 years and never missed, and supply stuff people need, food, fuel, drugs stuff like that, but I am a little younger. Problem is prices are high. Rentals suck unless you live right next door like I do, even then fk sometimes. Nothing is risk free but ponder this, there is about 18 trillion in savings, backed by the fdic, if one mega bank like Wells Fargo, or Bank America goes under it nearly wipes out the fdic fund....so are cds or banks safe, or does the sign just make us feel good. I am in the same boat, no debt ever, lots to invest, but not enough time to remake it if I lose it. Being the tail end of the boomer generation really sucks for retirement. My small business is the gold for me, zero debt, until I can't run it anymore.