<prompt> Human: Im hoping to get a part-time job and live low-stress. I own no property, have late-model working vehicle, pay 750 rent and utilities in long-term situation in a rural area. Should I put it all into a retirement fund, or buy a rental house? Which puts me in a better position in twenty years? I live in the US and will only receive about 800 per month from Social Security.  <response>: You will absolutely need a retirement fund. I would say invest the 200k in a safe way and then get another job. 