400K OH MY GAWWD Man.... that is a dream for me!!! That much money you could put in a mutual fund and be set for a good life.. over that time... I am not being mean I am just amazed at 400k... that kind of money change my life forever... live off of 30 thousand or less a year.. geezzz.. you are blessed and lucky already if you have/had that kind of money.. Good luck to you.. Hope it gets better for you.