I have a question. Accept cookies to view the content. Thz u sir. Ok you might not have that money lying around but dont think about that, its not important. You have to decide what type of salary if employed or income self-employed you want to make that will 1 keep you in the game the longest and 2 allow you to live a full life where you are not concerned with every tick in the market. This is likely the bulk of your life savings, and you are somewhere between 30 to 55 years of age.