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I just turned 65 and have 20K from a house flip. I got the money when I cashed in a 25K job savings account 401(k). I paid about 5K in penalties to cash it in. I'm drawing social security but plan on stopping it as I'm working again and contributing to ss. I think I have till 10k of income from the new job to stop ss?....I still owe 170K on my house to buying it down is an option. Not sure if I should put it back in an IRA or invest somewhere safe like a CD.

I just turned 65 and have 20K from a house flip. I got the money when I cashed in a 25K job savings account 401(k). I paid about 5K in penalties to cash it in. I'm drawing social security but plan on stopping it as I'm working again and contributing to social security. I think I can earn up to 10k from the new job before it affects my eligibility for social security. I still owe $170K on my house to buying it down is an option. 

I have some money in retirement investments. About 125k in annuities and $10k in a separate IRA. I received the 20K from the house flip but got the money from the cash in of the Savings IRA. I have about $15K in a liquid Emergency fund. I will probably retire within 5 years.

Is it better to pay down my mortgage or invest the 20K in ETF's or even a CD or another IRA? Seems like nothing I do brings in any income from the cash.

I just turned 65 and have 20K from a house flip. I got the money when I cashed in a 25K job savings account (401K). I paid about 5K in penalties to cash it in. I'm drawing social security but plan on stopping it as I'm working again and contributing to ss. I think I have till 10k of income from the new job to stop ss?....I still owe 170K on my house to buying it down is an option. Not sure if I should put it back in an IRA or invest somewhere safe like a CD. Any Thoughts are appreciated! Thx, Daliafarm

I just turned 65 and have 20K from a house flip. I got the money when I cashed in a 25K job savings account 401(k). I paid about 5K in penalties to cash it in. I'm drawing social security but plan on stopping it as I'm working again and contributing to ss. I think I have till 10k of income from the new job to stop ss?....I still owe 170K on my house to buying it down is an option. Not sure if I should put it back in an IRA or invest somewhere safe like a CD.