The article discusses the importance of having a retirement dream and utilizing the market as a tool to fund that dream. Two funds, OXLC and HQH, are recommended for achieving retirement goals. OXLC offers a high yield of 19.3% by investing in CLOs, providing a stable income stream with low default rates. On the other hand, HQH yields 12.5% by focusing on the biotechnology and pharmaceutical sectors, which are expected to see growth due to medical innovation and increasing healthcare spending. Both funds offer unique opportunities to generate income and build wealth for retirement. By carefully choosing investments aligned with personal goals, individuals can secure their financial future and fulfill their retirement dreams. With the right investment strategy, it is possible to make money even while asleep, ensuring a comfortable and fulfilling retirement.