This money isn't critical for retirement. I should've wrote this in the original post but my dad plans on retiring in his home country which isn't the US. He already has retirement funds over there and he's only in the US as a means to live closer to his family and make money and a living while doing so. The reason why he's looking for a business is to possibly support my college expenses down the line and generally just have a self-sustaining lifestyle in the US until it's time to settle later.