Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What should I consider when I try to invest my money today for a larger immediate income stream that will secure my retirement?
I don't think you should mix the two notions.  Not starting out with at least.  It takes so much money, time and expertise to invest for income that, starting out at least, you should view it as a goal, not a starting point. Save your money in the lowest cost investments you can find.  If you are like me, you can't pick a stock from a bond, so put your money into a target retirement fund.  Let the experts manage the risk and portfolio.  Start early and save often!  At only 35 you have lots of time. Perhaps you are really into finance, in which case you might somebody manage your own portfolio.  Great, but for now, let an expert do the heavy lifting. You are an app developer.  Your best bet to increase your income stream with via your knowledge and expertise.  While you are still so young, you should use labor to make money, and then save that money for retirement.  I am going to make an assumption that where you are will software development means you can become a great developer long before you can become a great financier.  Play to your strengths. I am also afraid you are over estimating how comfortable you are with risk.  Any "investment" that has the kinds of returns you are looking for is going to be wildly risky.  I would say those types of opportunities are more "speculation" rather than "investments."  There isn't necessarily anything wrong with speculations, but know the difference in risk.  Are you really willing to gamble your retirement?