Sloan Orlet is 100% right, there is no way to amp up cash flow with investment accounts without having some deep pockets to begin with. The best way to pile up cash in the bank, so to speak, is to earn it, save it, and not spend it. And I would add, maybe invest in CDs or penny stocks, or something modest like that. No one I know has worked at a day job, spent money to keep up an upscale lifestyle, and end up every years with a pile of cash to show for it. Most of us make money, spend money, pay taxes, and wind up without much at the end of the year to show for all that work. The lucky ones, or smart ones, save enough to show something for it, but it isn’t much unless they’re lawyers or some other highly paid professional, and can put away $200,000, $250,000 per year without touching it, and don’t touch it. So it adds up. The only other way I have seen to pile up a significant amount of cash quickly is to sell off some sort of future revenue stream, like a structured law suit, or lottery winning paying off yearly – or, if you’re around 70 and have significant value in a convertible term or universal life insurance policy, and sell life insurance policy. Of course the catch is figuring out how to go about selling a life insurance policy for cash; and selling your life insurance policy for cash isn’t something you can do off the cuff… Seniors really have to know what they’re doing, and study companies that buy your life insurance policy…. Companies that are professional and will sit down and talk to you in-depth about selling a life insurance policy; companies that will let you know right off the bat – can you sell your life insurance. Realistically, are you a real candidate. And if they’re truly good at buying out life insurance policies, they’ll be able to have those conversations with you. Without any salesmanship… just the facts, ma’am. Just the facts. And then there’s researching online, asking Google, “Can I sell my life insurance policy…” and can you sell your life insurance policy to a legit life settlement company for real retirement nest egg money… not $2,000 or $3,000. Real money. Seniors will spend several day Googling, “Can I sell my life insurance policy?” and “How do I sell my life insurance policy for cash?” or “How do you start the process for selling your life insurance policy for cash?” and, “Who purchases life insurance policies!” Listen, as far as I’m concerned selling a life insurance policy for cash, is, for anyone, and especially for seniors, a critical move… so you can’t mess it up by not knowing what it’s all about. Seniors I know, who have been paying into universal life or convertible term life insurance all their adult life, and usually will go to sites like www.einsure.com, or The Insurance Journal, or www.AARP.org, to research, or will study an established life settlement company, like www.harborlifesettlements.com. Serious policy holders I know called a company like that up to ask, “How do I know how much my policy is worth?” and “Who are companies that buy your life insurance policy?” And by the point they are asking those types of questions, they are probably on their way to actually selling a life insurance policy. The deal, getting a strong percentage for selling life insurance policy… selling universal life insurance, or a convertible term policy… is strictly up to the policy holder. But it sure helps to have studied the subject a bit, or to have some friends who know a thing or two about the process! No one wants to go in there knowing nothing – if you want to walk out with 40% or 50%, 60% of a universal life or convertible term life insurance policy in cash value… 5 to 10 times as much as an insurer will give you… challenging, as it were, Sloan Orlet’s wise formula.