“I believe Social Security will be insolvent in 15 years. I would welcome the extra check, but I’m not counting on it.” (Photo subject is a model.) - Getty Images Dear Quentin, I’m 55 and expect to get laid off from my $170,000 job. I have $800,000 split across two 401(k) plans and a $69,000 lump-sum pension. My wife and I each have $150,000 in Roth IRAs, $400,000 in real-estate equity (with a mortgage of less than $50,000) and about $1 million in crypto (up 88% over 12 months and climbing daily). My wi ...