<prompt> Human: Im 64, own a humble business, 60 grand a year and only have around 27,000 saved. I know this is stupid but most of my money is in a CU money market. I plan to continue working until at least 67 because I would be penalized for making additional money while getting social security retirement. Is there anything I can do short of gambling the market or an early demise that could actually help in the next 3-5 years?  <response>: Sell your business. But otherwise no, even if you saved 50 a year for the next 5 years, you are looking at a tough retirement. 