Inherited Money. Worried about crash.

How old are you? There’s a lot of factors here.

I'm 43. I retired when my parents passed and weve been able to sustain with interest and not eat into principal.

And yes. I think the FA is suggesting that based on my age. but I retired because of a type of adult onset muscular dystrophy that I also inherited.

The job I left is still asking me to come back but I honestly don't know how effective I am any longer.

Remember if the market goes up 15% over time then crashes 10%, that will be a huge event. And you wouldnt be hurt by it.

How much money are we talking? Annuities suck, but they are a really, really conservative option

How much money is it? Is it just in cash right now?

You said you're retired at 43. What form is your retirement in? How much is it? How much are your monthly expenses? How much do those expenses leave at the end of the month? Do you have savings? If so, how much?

The answers to these questions will help create a framework for the best answers for you.

Since inflation is one of your primary concerns, you need some growth especially with a.long retirement and early drawdown. Get too conservative too soon and your nest egg wont last.
Your most conservative move would be to return to work while you still can but that may not be necessary if your stash is adequate. Do you have 25x+ your annual expenses? 4% SWR assumes a. relatively large stock allocation not going overly conservative early. I would want more.than that given long early.retirement and your concerns about near term economic issues (increased sequence of returns risk)

Buy voo and QQQ every month for next 12 months. Divide up the cash equally between the 12 months. without more info this is best I can give you

DCA into the market over the next 30 months.

You’re too young g to be all cash

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but (without any credentials other than reading "The Fourth Turning") i feel like we're at a precipice. and things are going to go bad soon. for whatever reason.

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I’ll save you a seat in the crypto thread.

Diversify your assets. Keep a portion in growth equities, don’t expect to touch it 20+ years. Money markets for short term. Avoid high interest rate debt if you have cash.

I personally think getting rid of debt is a great choice, makes it so much easier to manage expenses and way easier to borrow if you need to.

As someone else said, work as long as you can. Even if just part time to pay bills, it can stretch that nest egg further and allow you to be a bit more aggressive. Not to mention exercising your most important asset.

ETA: May want to get rid of FA if you don’t see eye to eye. They are expensive for what they provide and may be a barrier for you taking more accountability for your assets. Invest in ETFs - can do anything from stock funds to bonds to crypto. If you have significant cash you will kick yourself for being too conservative if you are relying on it for 20-50 more years. The key is spreading it out to different assets.