Perhaps this is naive of me but to have half a million in the bank and being miserable sounds like a pretty poor state of affairs. Time to convert some of that money into time and experiences.
I know people who are older than that and with less in the bank. They live on a sailing yacht and are more happy than most will ever be. They cross oceans when they want to change scenery. They haven’t seen temps lower than 20C in decades, living between the tropics and SE Asia, sailing along the way.
Besides that, isn't there a figure about the number of people who'd have to borrow money to cover a $1000 emergency? Something like 60% of Americans if I remember correctly.
