<prompt> Human: Looking to retire in 1-2 years, social security, around 100k in 401k 80,000 in checking. Bank says I have too much in checking. Long for options to ensure my money is working well for me. Will need to pay for health insurance after retirement, house is paid for, looking to travel with significant other after retirement. Not confident with stocksinvestments. Low cost of living rural Minnesota.EDIT: Father posted this on my account by mistake. He also forgot to mention he does have a pension through his company, and his SO has a pension as well, so its not just what he listed above. Really I think he was mostly concerned with what to do with his checking, he started his 401k late, which is why its in its current state.  <response>: Youre about to have a terrible retirement.You dont have enough saved to meet your goals. 