Hypothetically speaking: You have worked the past 22 years of your life for a construction company and doing various odd jobs an average of over 60+ hours a week and saving the majority of your spendable income in various stock,bonds,mutual funds,cd's,etc,etc. Your Net worth of savings has just past $500,000 dollars but, it will take about a year to get your money out without paying any penalties . What would you do with that money?, invest it in several business's, to get some steady income without having to do manuel labor, maybe do 1 or 2 business's and pay off your house and put your kids through college, or maybe stick it out for another 7-10 years till your investments have surpassed the 1 million mark and then just retire?