What will be your choice of business/investment if you have only few years to your retirement with only $20k as your available funds and still got few bills to settle?

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I will be questioning myself why did I end up having just $20k on my retirement fund. I must be a terrible spender.

Right now, given the current state of the market and short time for investment, I'd probably look into real assets, like precious metals, artwork, real estate, etc. I'm not a financial advisor, though, so take that with a grain of salt.

A small coffee shop, for sure. If the budget's really tight. Then I'll go for a coffee cart.

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