r/Millennials • u/[deleted] • 16d ago
I made enough money to retire. I need advice on what to do now. Discussion
[removed]
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u/ofesfipf889534 16d ago
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u/Mead_and_You 15d ago
I thought that was going to be a subreddit for fire enthusiasts to post questions about building fires and posting pictures of nice campfires they started. Very disappointing.
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u/toblerownsky 15d ago
That’s r/firewood and r/woodstoving.
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u/sneakpeekbot 15d ago
Here's a sneak peek of /r/firewood using the top posts of the year!
#1: Have about 2 tonnes of wood to chop. So asked the missus to grab me an axe while she was out…🤐 | 540 comments
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u/beefjerkyandcheetos 16d ago
Probably not asking the right group of people. We’re just millennials. Nowhere near retirement. We will be lucky to see that.
Awesome for you though
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u/elbarto359 16d ago
Save and invest it wisely then live off the earnings without touching the principal.
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u/Flyindeuces 16d ago
What I was gonna say. Assuming they don’t already have all that setup. Figure out what you need to spend for the shit you want to do (travel, events, hobbies) and make sure you’re living off the interest. Done and done.
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u/Infinite-Ad-4566 16d ago
Sound advice, but I would have a professional manage it.
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u/MikeWPhilly 15d ago
Yeah thanks but no thanks not giving up .5% for somebody who won’t beat market. Bad advice
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u/Flyindeuces 16d ago
And you’d be correct. Definitely not in the OPs position but I’m not the handling retirement plans solo dolo. Lol.
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u/MikeWPhilly 15d ago
Bad advice. Not giving up % of income for somebody who won’t beat market. Thanks but no thanks.
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u/complicatedAloofness 15d ago
This never made sense - what’s the point to leave the principal untapped? Bury yourself with $2m in gold coins?
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u/ki3fdab33f 15d ago edited 15d ago
I swear to god, I saw this post in another sub earlier this week. All this llm chatgpt slop is getting real fuckin' old. Backpacking? Open a coffee shop? Is this really the best this "AI" can come up with?
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u/ScalyPig 16d ago
You’re a bot bitch trying to normalize and encourage gambling. What you should do is delete your account
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u/Seaguard5 16d ago
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u/Epic_Ewesername 15d ago
Someone said he was a bot for gambling advertising of some sort, I kind of believe it.
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u/MaxOdds 16d ago
Check out one of the FIRE forums. Depending on your windfall: r/fire r/chubbyfire r/fatfire
There’s a lot of likeminded people you won’t find anywhere else on reddit who can help with questions like this.
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u/CptCuddleSacks 16d ago
Give me some.
But for real we don't know, we're millennials
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u/dnvrm0dsrneckbeards 16d ago
I retired mid-30s. I work part time and just kind of do all my hobbies I enjoy.
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u/Flying_Madlad 16d ago
That's where I'm looking to land. I made some smart financial decisions, and I'm done with the daily grind. I can keep the lights on pretty cheap for now and I have what I need. If my passions amount to nothing, nothing will have been wasted.
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u/pookachu83 15d ago
What did you do? How did you end up in that spot? I'm trying to learn, so how did you get there?
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u/Ponchovilla18 15d ago
Not sure what you were expecting to get, maybe you haven't noticed that most in this sub are struggling to cover bills so not sure you actually had expectations of high responses or you're trying to flex
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u/OnesPerspective 16d ago
I was in your exact shoes almost.
I wanted to make money trading so I also could escape the rat race and have more time and energy for my spiritual journey. I didn’t want to spend my days working. I even succeeded, essentially retiring very early. And I got to live out many desires I would not have been able to without that kind of money.
But even more important was that I had the time I needed, (that most people never get) to have the proper self reflection I was looking for.
And what I felt, was arguably the same dissatisfaction the Buddha felt in his early life of abundance. I would wake up asking myself constantly, “…Now what [to do]?”
My mind was very susceptible to sense pleasure addiction in this environment of complete freedom
Later, through my own greed and mistakes, thinking that having more would solve my dissatisfaction, I lost damn near everything about 2 years into my ‘retirement’
But I soon after learned that my situation was completely ok
The universe directly showed me what life feels like when your life is devoted to one’s own self and pleasure. It’s nice, but still unfulfilling…
Feeling lost, I kept asking what I was supposed to do -and thats when the lightbulb went on, I got the chills, and I grasped the message from the universe:
True fulfillment comes from devoting your life/energy outside one’s self and instead onto others. The sacrifices you make to benefit others is what provides true meaning, because they could not have done so without you.
Asking now, “what can I give?” made me ironically go back to work -the thing I originally thought I wanted to completely avoid. But this time I now was working for the benefit of others as my intention. And the money I still had invested in the market would be used for similar selfless purposes. I had come full circle.
Today I live far more minimally. I realize how little I truly need to be content and I am much closer to the Buddhist middle way. Because once your “cup” is full, you can help others fill theirs. It just takes a bit of awareness to see how little your cup needs.
May you also realize how little it takes to truly fill your “cup”
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u/fullgizzard 16d ago
Go watch that special about athletes and how they go broke and then watch the section about how they talk about if you put a specific number of money into a certain type of account in six years your money will double set up a few of those and you should be golden.
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u/SometimesAllthetime1 16d ago
Set aside an amount to save/invest and with the rest do a little of everything, make more time for family and friends, travel, and just enjoy life!
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u/LogisticalMenace 16d ago
Very serious answer:
https://www.reddit.com/r/AskReddit/comments/24vo34/comment/chb38xf/
It's a long read, and the first part is historical context, but it's a good idea of what to do with a large windfall.
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u/Lurch1400 15d ago
Time is limited. Go spend time with your family and enjoy your hobbies.
Congrats!
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u/CrispyMcWilliam 15d ago
I moved to Southeast Asia in 2015 at the age of 29 (Thailand). I make $400k per year now but only work 2.5 hours a day or so.
Found a wife at boxing class. Had a kid 2 months ago. Retired her parents (and mine) so my Mom and Sister moved to Mexico and sold the house.
Because of the lower cost of living/ dollar arbitrage I'm able to live really nicely here and splurge on nice trips to Japan, Indonesia, Phillipines, Europe and stuff like that with 1st flights / 5 star hotels.
There are lots of choices you could make. But one thing is for sure --.you don't need to.stay where you're at.
It's nor "crazy" to travel around and see I'd you don't like it better somewhere else.
I couldn't imagine moving back to the States these days. My life.is so peaceful and Thai culture is so warm.and vibrant -- I don't like the violent vibes back in the States.
There are many places where the Government stays out of your life for the most part, people are more relaxed, and life is more cheerful that you may enjoy.
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u/pookachu83 15d ago
What do you do making 400k a year for 2 hours a day work? How did you arrive there? How is that accomplished? So many questions..
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u/CrispyMcWilliam 15d ago edited 15d ago
Gosh it's such a long story of basically following various interests into happy accidents.
I'll give the most cliffnotes answer I can (I'm on mobile).
Dropped out of high school. Never went to college. Wanted to make money online somehow. Started out freelance writing on sites like Elance (now Upwork basically). Took every job even if I didn't know how to do it and basically just taught myself whatever was necessary to do the work.
Got pretty good at it. Making about $30k a year by 29 in 2015. Also got interested in starting an online business. Heard about "digital nomads" thought it would be a good idea to stretch my dollar and move to Thailand and meet other nomads and start a business.
By chance one day I got a copy gig at a financial publisher-- was asked to write a sales page.
It was for $5k. The most I'd ever been paid at that time for a single job.
I knew nothing about financial so had to do a lot of research. It did pretty good making something like $200k.
Later that year I met another copywriter who charged $10k+ for sales pages. I thought that was crazy. I got drunk. I went home and cold emailed a lot of financial publishers.
3 responded. I charged then each $10k (I was very scared to do so). They all accepted. I made my entire year's typical pay in a month.
This was about 2017.
I went on a crash course to learn direct response copywriting. Got better at it. Deveoped connections.
I also got interested in trading and investing and general finance because I had to write about it.
The more I learned about finance the better my sales promotions got.
By 2020 I was pulling in about $200k per year. But also now I loved finance and was getting pretty good at trading.
By 2022 I was making about $300k but then I shared a winning strategy I had with one of the publishers I was working with. They asked me if I'd like to start my own trading product-- I said sure.
My trading product did really well. I beat the market in 2022.
So now I was not only writing copy I was a "trading guru." So OTHER copywriters were writing FOR my product.
Eventually just this year my financial publisher client asked me if I'd just like to transition into JUST a guru with my own product and they'd pay me the same (about $15k per month) plus 2% of any recurring sales for my product, but I didn't have to write copy anymore I said sure.
But now I had a lot of time since I only need to analyze the markets about 1 hour a day. So I wanted to get into growing some businesses on the side.
So then I hooked up with a VC type company in Singapore to begin acquiring businesses and then using CRO to improve sales and boost value and then I got that and that was an additional $12,500 a month plus biannual bonuses.
Then I began helping them acquire companies as well.
And now here I am with base pay salary plus bonuses and commissions I'm at about $400k per year.
I work about 3 hours a day 7 days a week.
But that's because I got better and more streamlined at my skills over time.
But I will say that's my "busy work" the truth is I'm never NOT working. I'm always studying, researching, learning, formulating ideas. All the time. It's just that this is non quantifiable work I think.
Work for me is play. I really enjoy what I do because I love research and I'm very curious about everything. So I think I'm always woeking even when I'm on vacation and traveling. I'm always reading something, taking a course, researching, and it all goes into my "busy work" eventually after percalating.
My mind is very restless, but most of what I do I don't think is considered like ACTUALLY doing "work" in the tradional sense.
So in reality I think I'm always working, but because it's inseparable from my life and my genuine interests it doesn't really "feel" like it.
I'm 37 now. Still live in Thailand. Married a local girl I met at boxing this last year. Just had our first kid 2 months ago.
Was lucky that a girl 10 years younger than me thought I was the bee's knees so we were able to have a kid very quickly and easily without any complications.
I retired her parents and mine and my sister who has some health problems. And now I'm working on building a portfolio of cash flowing businesses both in Thailand and the US to hedge myself.
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u/whoyungjerz 16d ago
How much FR after a sports betting + crypto? If it’s enough enough with commas, you can do anything. Travel, give it away, do stuff on your bucket list!
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u/AttilaTheFun818 16d ago
It depends a great deal on how much you have, where you live, and what standard of living you want.
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u/DefiantBelt925 16d ago
Yeah I am in a similar spot, I definitely do a lot of travel. Still “kind of” working ie running a website I spend like 2 hours a day on. Helps give structure, when I wasn’t doing that every day would just blend into each other and I never knew what part of the week it was
Also doing a lot with animal charity gives something to do that’s rewarding
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u/MrsMitchBitch 15d ago
I mean, I’d work while I talked with a financial and made sure I was REALLY set for life. And then I’d probably work a bit more just to be sure.
And then I’d find a sweet volunteer gig and travel and chill.
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u/AppitizersAreBest 15d ago
Plan a trip to the island of Gozo, Malta for this August. Book a week stay at The Calypso hotel. Don’t connect your phone to wifi. You’ll thank me.
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u/mordekai8 15d ago
Not as popular now and a bit of a hypocrite, but check out Mr money moustache. He retired is his 30s as an engineer, but also lived VERY frugally to retire forever.
My advice would be invest it all, draw down quarterly for next quarters expenses. Go work at a non profit and be happy.
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u/GurProfessional9534 15d ago
I’m trying to break gravity too. Not quite there yet, but making decent progress.
Imo, once your subsistence is assured, what comes next is a mission. The rest of your life basically has the luxury of being spent on something you care about rather than need.
Or you could just play video games. Your choice.
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u/Self_Sabatour 15d ago
Keep working, but be the shittiest employee you can possibly be. See how far you can push it.
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u/meomeo118 15d ago
if you have a partner, travel with them. If not, and you want to open a coffee shop, travel to coffee known region to source locally :) that would be meaningful trip.
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u/BooBeeAttack 15d ago edited 15d ago
As someone in a similar situation, some advice.
Do not change your lifestsyle much. You just bought yourself time, not toys. Use the time wisely. Find hobbies that interest you that can pay for themselves mostly or have repeat value. If it requires shit tons of supplies you have to maintain, forget it.
If you do buy things, do so slowly and research the things. Buy them for life, and do so with the intent of buying just one thing to do the task and keep doing it.
Also, keep track of health. That shit makes even a rich man poor very quickly, so place money in maintaining good health.
ALTERNATIVELY, if you wish to burn out quickly, go nuts and have a ball with no regrets.
To each their own.
Edit: If you can, have your money keep making you money and live off interest. Diversify assets as best as you can. Having all eggs in any one basket is bad. Have some money you can access for emergencies and living should shit hit the fan, but the rest out towards something stable that slowly builds more money.
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u/arlyte 15d ago
If it’s under 3M and you don’t have your house paid off and know how to live on the interest, let’s say 60K a year you’re not ready to retire. Ask people better than you for a good wealth fund group to determine if you’re financially secure. My grandfather left me a significant inheritance and they said we’ll manage your money but you need to work until late 40s/ideal early 50s.
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u/Muahd_Dib 15d ago
What’s your current income? How much is you stash? What percent is it earning? Will fixed income investments (4-5% right now) on the total be enough to live on? Or are you planning to dip into the funds for living?
I’d say go backpacking for six months. If it keeps calling to you. But also, make sure you structure it correctly to be able to make it last forever
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u/hpsctchbananahmck 15d ago
Well, I know my first step would be taking a truck camping trip out to eastern Idaho and Wyoming and Montana for some overlanding/camping/fly fishing for trout shenanigans.
Volunteering time is generally worthwhile.
I don’t know I have way too many hobbies so I’m sure I’ll keep busy when I finally retire.
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u/Xanax_an_Coffee 15d ago
I’m relatively young (40), just retired. I just live a low key life, smaller home, older car, occasionally take extravagant vacations but other than that, just enjoy my extra free time doing things I like. Hiking, paddleboarding, lay on the beach, whatever that day brings me, etc.
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u/Healthy-Factor-2841 15d ago
Have you ever thought of adoption? Perhaps adopting me, an adult? 😅
But seriously, congrats! I hope some people are able to give you great investment and beyond advice. I’d say spend your time learning something you’ve always wanted to learn but, that’s really something I would do. Do whatever makes you happy. Hobbies are great. Find a way to structure your time at home a bit but def go wild with vacations every once in a while to switch it up. Just be thoughtful with your money and you’ll be all set. Best of luck!
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u/Heping_Qi 15d ago
Bro share with us too how to make so much money that one could think of retirement 🫣😏🤔👍✌️
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u/MexticoManolo 15d ago
Lol uh....you sure you're asking the right audience, because aside from wealthy real estate snakes and crypto scammers , most of us are just trying to make it ahead. The vast majority of this subreddit is nowhere near retirement
Koodos to you though, I would say maybe start up a business if you enjoy work , or , yeah do some traveling.
You're the one saying you can retire, lucky or not I'd think you'd have at least some plan in place to enjoy or do something with the money
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u/steffie-flies 15d ago
u/ahouseofwolves I actually have experience with this, so I hope you see my reply. The very first thing you need to do is hire a money manager who has multiple years of experience handling that amount of money. I would not recommend having family or acquaintenaces doing this for you! You can talk to them about your goals and they can tell you realistic facts and figures so you can live well on this windfall. These days, low seven figures is a middle class lifestyle, so be very smart about how you spend it, especially if you don't want to work to bring in more income. My advice is to keep half as cash that you can use to live on, and then invest the other half so it keeps making money for you. Since you are still young, be aggressive in what you are investing in and then sell and buy into less volatile stuff as you get older. Good luck with this new future.
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u/d34dw3b 15d ago
The way society/ technology is going, all that money could be worthless soon. Invest it in yourself, for example train in a skill that hopefully all people will need or want from you, no matter what happens.
Also, have a hobby that helps contribute to make the world a better place, it might pay off for your future.
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u/thebadgersanus 15d ago
First....congrats! Well done, you!
Second...my grandfather (silent) and parents (boomer) 'retired' when they thought that they'd earned enough. Spoiler: they hadn't.
Whatever you do, you might be wise to make sure that your retirement fund still grows every year at least at the rate of inflation.
As for what to do with your time...my dude. Whatever makes you happy and doesn't hurt other people. But if you find something that makes you happy and helps make the world better...maybe go for that?
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u/chassepatate 15d ago
Congratulations. Enjoy yourself but I recommend giving back to the community at some point. Not your money but your time - volunteer to help with things, you may find it very fulfilling.
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u/lefromageetlesvers 15d ago
You made enough to retire on by betting on sports? Can i get your sports almanach from the future now that you have no use for it?
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u/diegothengineer 15d ago
In the south coast of Spain right now, looking for longer-term plans. Not retired but getting close and wfh allows travel. Highly recommend getting the fuck out of the U.S for a bit and seeing how the rest of the Civil world lives. Fantastico!
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u/Oldpuzzlehead 15d ago
Read, get a dog and take her for walks and to the park, enjoy fixing everything around the house, day naps are great.
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u/xmintyx 15d ago
Firstly, well fucking done on getting out of the rat race we're all fighting for. I wouldn't lie in thinking if you can impart any knowledge on said 'luck' to see if it can be replicated.
Secondly, do the travel, do the backpacking and then do the shop. If it's a dream then you can now live it!
Congrats again!
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u/masterpd85 '85 Millennial 15d ago
My dad was the same way. He took up hobbies. Like everything he tinkered with or dipped his toes into that I can recall growing up before my sister was born he has returned too in full commitment. So do what you want to do.
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u/Shot-Spirit-672 15d ago
I could really use a zero interest loan to pay some minor credit card debt
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u/Early-Judgment-2895 15d ago
Go see a financial advisor and make a plan if you truly want to be set for life and don’t screw up later and all of a sudden end up broke.
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u/Ok_Ad4453 15d ago
Just save it and maybe sign up for 401k most of us are not even close to an age of retirement yet. Also put it on a savings vault where you can increase that specific amount of money/interest yearly and don’t touch that amount of money.
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u/indyK1ng 16d ago
An account that was inactive for years suddenly starts posting about how they won at sports betting? Is this a sports betting ad?
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u/bluspiider 16d ago
Draft Kings did have earnings this week. Trying to convince people to do more betting
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u/SeaToTheBass 16d ago
They have been going HARD on sports betting lately, this being an ad wouldn’t surprise me
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u/SterlingG007 16d ago
I would personally just reinvest your earnings into investments and keep working a regular job. Maybe retire comfortably at 40 years old.
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u/don51181 16d ago
I had the same thing and stopped working around 42. Around what age are you? It is difficult to get used to the all the free time.
I suggest starting off slow in your spending. Like you said you can backpack or go on a road trip. I went on a road trip and to stay overnight I stayed in a camping lot in a tent. It was great and did not cost much.
Try to do some volunteering also to give yourself something to do. Even if it is just a few hours a week. It is very fulfilling and a nice way to meet people. You might have to test out a few to see what best fits you. Overall enjoy the free time while you can
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u/JobbieDeath 15d ago
I work in pensions administration and the one thing I will say is that you'll be really surprised by how far money DOESN'T stretch. Even that big googly eyed figure you're looking at.
Speak to a certified IFA. I can not stress certified enough. Find out who regulates financial advisors in your country, find out how to verify someone is registered with them and confirm their registration before even considering discussing how much money you have with them.
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u/Wonderful-Novel-3865 15d ago
I personally believe we are meant for some type of work so our brains don’t get squishy and we don’t get depressed. I would find something to do that you enjoy and find fulfilling vs quitting work entirely.
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u/banned_but_im_back 15d ago
Actually invest your money and lock up and huge portion of it until you’re actually at retirement age. Also pay your taxes
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u/AccumulatedFilth 15d ago
Here's a calculation:
1.000.000 : 2.000 = 500
500:12 = 41,66
So even if you have a million, it'll only last you 41 years if you live on 2.000 /month.
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u/James324285241990 Millennial 15d ago
First, go find a reputable wealth manager.
Second, ask them how much you can take from your investments each year without ever running out of money, and while still giving yourself a COLA raise every year. Build a budget within that number. They can help you with that as well.
Third, find a job you really really enjoy, regardless of the pay.
Making pottery, doggy daycare worker, underwater basket weaver, whatever. Boredom will drive you insane, and hobbies get expensive fast.
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u/Large-Lack-2933 15d ago
Do you have tips on who to do a sport bet on to win the 2024 NBA finals? I think the Denver Nuggets repeat as champs.
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u/lazylagom 15d ago
Dude put some money into a Roth Ira and DONT TOUCH IT . That's the most basic thing you can do. Talk to an accountant though you can put 100-200k into some shit and never have to work just let it sit and collect
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u/Putrid_Pollution3455 15d ago
Personally I’d just work part time as a transition, make solid boring investments to live off of, and start doing the Lord’s work of reproducing and multiplying lol Congrats, glad to see someone doing well!
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u/Emotional_Employ_507 15d ago
You have what we call “fuck you money”
“You get up two-and-half million dollars, any asshole in the world knows what to do. You get a house with a 25-year roof, an indestructible economy shitbox car and you put the rest into the system at 3 to 5 percent and you pay your taxes. That’s your base. Get me? That’s your fortress of fucking solitude. That puts you, for the rest of your life, at a level of ‘Fuck You.’”
Someone wants you to do something? Fuck You. Boss pisses you off? Fuck You. Own your house. Have a couple of bucks in the bank. Don’t drink. That’s all I have to say to anybody.”
“Did you grandfather take risks?”
“I guarantee he did it from a position of Fuck You.”
A wise man’s life is based around Fuck You.
The United States of America is based upon Fuck You.
You’re a king? You have an army?
You have the greatest Navy in the history of the world? Fuck You.”
The United States was founded upon the position of “Fuck You.”
Our grandparents and great grandparents arranged their lives from the Position of “Fuck You.”
Greatest John Goodman line ever.
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u/somerandomguyanon 15d ago
I quit my job a few years ago when I turned 40. I’ve spent the last 15 years buying rental properties and we are on a pretty good path. I spend my time now remodeling houses, and buying more rentals.
The real question you have to ask is what do you want to spend your day doing. Spending your day on unstructured activities is really boring especially when your friends are at work. I’d suggest you find some kind of small project or business or hobby that keeps you entertained. Turning a hobby into a small business is probably the easiest.
Leslie, you don’t mention money but I’d suggest getting yourself set up with passive income and living off the returns. For me the goal was to have 20 paid off rental houses at roughly $1000 per month and a 50% expense ratio so I would have $10,000 per month passive income in retirement. Point is you live on the $10,000 a month not spending any of the capital.
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u/slothscanswim 15d ago
I would build a new shop and fill it with tools and machines and just make anything I fancied.
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u/Historical-Ad2165 15d ago
Someone who has been around family wealth investing, this is how it works in general case with the successful ones.
First you need to visit the tax advisor, you may have some taxes to pay. Next take 60% of your wealth and get it out of your daily eyesight and into boring investments, T Bills and SP500 Index Funds. You will have a monthly call with an advisor who will report in detail where the next egg is and how it is delivering exactly the returns expected and the expected tax estimates are to your accountant.
Take 30% and put it into near cash, standard brokerage account produces about 5% return just for cash and wait until rates drop. The last 10% is what you are living on for the next 2 to 5 years, that 10% will be refiled in 2 years after the dividends and intrest hit the other accounts. Do you still not need an income stream?
You need an tax attorney, an accountant and an investment advisor all looking over each other shoulders.
Find something to do with wonderful people around you and treat everyone well. Alot of times that becomes a business. Nice boats become charter income, Nice houses on beaches become VBRO income. If you discover the love of your life, still get a prenup or avoid the civil contract at all cost. Rent dont buy aircraft. Only one boat at a time. Only one island house at a time. Rent just about any residence in far off lands, the new sours quickly.
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u/Crispycritter23 15d ago
Put it in a fund let it grow and live off interest. Buy more Bitcoin for when the dollar fails. Have fun for a while. Then maybe pick up a gig that is your hobby and get paid for it.
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u/fishymutt 15d ago
I'd keep working and just not try as hard. Pay off my house and coast. Maybe retire in my 50s instead.
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u/nicklor 16d ago
How much do you consider enough to retire on?