[amy40]

husband says he'll never retire but I think he overestimates costs of raising child

[jns]

my mistake, should have called him salesman!

they get you to trust them (seems to be nice neighbor)
then he gets several neighbors to hand over money, then next thing you know he moves away and builds a huge house on lots of land

to a whole new set of neighbors who have a LOT more money to give him

That is the problem with many financial advisors (salesmen or saleswomen), they want to make money on your money whether or whether not you make money on your money. Kind of like an insurance company. If my retirement money wasn't tied up in mutual funds per the requirements of the law, I would have invested in Berkshire Hathaway to have a multi-billionaire work for me. How to do it, buy B class shares until there is enough to buy A class shares.

[atskitty2]

A "financial guy"? Did you check his credentials before you handed him money? Did you check reviews of his past work?

Can you move the money into a more productive account?