<prompt> Human: Hi, I just retired and am looking for ideas to increase my monthly income and better utilize my money. I am not taking any Social Security because ill take that once Im 65What can be some safe ideas to invest Im a bit wary of financial advisors so that I can cover my monthly ? Are those retirement funds worth it ?Here are my basic stats for my wife and I:- Pension - 2500mth after medical insurance Stocks - 85000 Cash - 800k at 1 in online banks Bank acct - 115k pretty much 0, but needed to keep above a certain limit No home mortgage, cars paid off, no debt of any sort. Expenses 3500 per month Utilities Water Electricity Cable : 600 Insurance Home car : 300 Grocery Fuel : 1200 Taxes Home HOA : 900 Misc : 500  <response>: Cash - 800k at 1 in online banksHoly shit thats a lot of money to have sitting in cash, losing money to inflation Grocery Fuel : 1200Holy shit thats a lot of money for groceries and fuel in a given month Utilities Water Electricity Cable : 600Holy shit, thats a lot of money for utilities in a given month 