I lost $180,000 in Wall Street retirement savings. Now, I drive Uber and Lyft 75 hours a week.

Mercedes was the favored car. Bloomberg/Bloomberg via Getty Images Bill Lewis worked on Wall Street for more than 20 years but was laid off in 2013. After the layoff, he went into business for himself and invested his 401(k) into a franchise. The franchise failed after four years, and he's been…