I’m 60 with $6,100-a-month in Social Security disability and a pension. I want my money to work for 20 years — what do you recommend?

Dear MarketWatch,

I am a 60 year-old single woman who lives with a partner, who is a disabled. We are not married mostly due to financial reasons.

I have just started receiving Social Security disability benefits after being forced to retire in 2021. I have a pension of $3,200 per month and a Social Security payment…