<prompt> Human: So my Mom decided to retire Early, and emptied out her 401k, which amounted to 25k. That is after the 10 penalty since she is only 45. I just found out about this. She is asking what she can do to earn money by investing, but all she knows is CDs. The only idea I have is to max out roth IRA for this and next year with vanguard I have not done this before. But am unsure what to do with the remaining money. She is looking to invest for about 10yrs only. Thanks in advance for any help.  <response>: This is completely impossible aside from making extremely high risk investments and getting extremely lucky. This is the equivalent of gambling with 1 chance to win.You cannot grow 25k into 400-500k, which is roughly what shed need to survive 