I'm 32, married in US and we make $105k gross. Net is about $65-75k and we're in the 12% federal bracket. My credit score is 805 and I've never paid a red cent in CC fees or interest. Student debt is all paid off. We're mortgage free. We have 4 cars and no loans. My 401k is at $102k (contribution rate of ~30%) and I just started throwing down towards a Roth with what $ was going towards the mortgage. We each have about $450k in life insurance policies and an emergency fund in savings ($30k) to cover 18 months of basic expenses (including family health insurance deductibles). We have $5k invested thru a financial advisor/fiduciary and that's down about 30% right now. We also threw $5k into a 2 year CD at about 3%.

How I can invest my money into something that provides good returns or doing something that provides passive income? My longevity (medical) is an issue, so I'm pursuing early retirement to be able to enjoy the fruit of my labors.

What income flows should I look to setup now if I want them to be available in 20 years?