Inherited over 500k. Plan to Completely Overhaul my Life

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I inherited 25K when I was 16. I blew through 5K and invested the test. Over the last 30 years, that money has helped me buy a house, have a nice wedding, and go to graduate school. There's still plenty left.

I also changed careers in my mid-30s. Although I make more money, I can say that many of the problems I had in my first career I still have now.

"Wherever you go, there you are."

Hedge your bets by doing this:

1- invest 330k and don’t touch it until you retire.

2- enroll at a local inexpensive college or tech school and take a variet of courses

3 - get an interesting part time job that covers your bills.

The folks telling you to invest all your money and continue to do the job that you hate are firmly in the camp of “make as much money as quickly as you can and retire as soon and comfortably as possible”

But they’re missing a couple key things.

1- life isn’t about just enjoying your twilight years. Fact is, you’ll probably enjoy travelling even more when you’re young. It’s not about toiling away for your youth just to enjoy your elder years (however you also want to put away a nice nest egg so your elder years aren’t crappy)

2- they’re also presuming that being recreationally idle is superior to doing something that earns an income. Which may be true for most people but not all people. If you find a job you love you’ll never need to retire and may even enjoy your life more being a productive income earner through your 50s/60s/70d

It is nice guys how you are planning to invest your money somewhere but first, you need to earn that money before finding the way to invest somewhere. Why do not you people teach us how to make money or at least give us a hint or the right way to start from. As I work as a freelancer on https://www.snupit.com and my earnings are about 120k per year and I want to earn more and maybe you can show me the way how to start? I am not searching for any illegal activities as we all know how they end up in the end. Maybe in one day, I will find the way by myself but at the moment I am happy with what I have.

mrmoneybags wrote:

Oh yah I totally agree - but I think it's enough money to allow me a couple years to successfully transition careers if I'm frugal and diligent.

Doc Sloth wrote:

Unfortunately, that’s not life altering money. Use the money to go back to school. How about becoming a veterinarian?

You could get thru law school in 3 years. The job is intellectually stimulating in that you are always trying to out-wit and out-play the other side. After gaining some experience, you could run a law office out of your house.

OP, you sound like a decent human being, so whatever you do, don't go to law school. And avoid the MBA route as well; instead keep your soul. And yes, of course quit the job you hate ASAP.

Truth is 500k is absolutely life changing, especially if your goal is meaning and happiness.

Live on less, and keep barely over the minimum material possessions, aside from a small home if you feel the need.

A decent day trader/ swing trader with 500k to invest will make far over any index fund return, especially with options trading. You can throw darts at a board and do as well as an index fund., most of those are organized, maintained and marketed by the unskilled, ethically challenged sort of crowd. Oscar Wilde's quote "The unspeakable in pursuit of the uneatable " pretty much sums it up. You are better than that.

You should be able to get ~1000/day gains with that amount of money. Would certainly not go all in standard funds until the world figures out A) pandemics, B) wealth inequality and C) climate change. These make market and swings and crashes inevitable.

Travel once the pandemic is over, live wherever you want to and trade a few hours per day, a few days per week. You'll have enough money to go to any class wherever, whenever you choose but more university courses and everything else will be online anyway. You're very fortunate so give to others, pay it forward and remember where you came from.

move to the Pacific Northwest and drop the cash on researching and solving the Bigfoot mystery.

TS-this money can be life changing.

You’ve got priorities, right? Is the #1 most important thing to you to get out of that job and do something more rewarding?

If so, what do you want to do? That money needs to chill on ice and you need to keep working that crap job (Business Analyst? My god. Sounds awful) until you can define what you want to do.

That can’t come from anyone here. I don’t know why folks are even throwing random jobs out there. You are 34 years old and should know a bit about yourself. So, what is it you want to do?

You’ve gotten some absolutely horrible advice in this thread, such as buckling down at a job you hate until you are 50. There are some sad, lame, unadventurous folks on this forum. Don’t be another Marvin Milquetoast. Figure out what you want to do, then you can figure the “how.”

You should save the money and do nothing differently.

InvestItAll wrote:

Don't listen to many who are saying 500K is not a lot of money. It is, even in the US.

From business insider, for the US:

Age Average net worth Median net worth

Under 35 $76,200 $11,100

35 to 44 $288,700 $59,800

45 to 54 $725,500 $124,200

55 to 64 $1,167,400 $187,300

65 to 74 $1,066,000 $224,100

75 or older $1,067,000 $264,800

With 500K, you are already worth more than twice the median networth at 75!

....

These are just cherry picked “wealth” metrics used by boomers to garner sympathy. The realty is old people are (often) the equivalent of multi-millionaires when you consider their (pyramid scheme) pensions and social security/Medicare entitlements.

$500k is a lot of money, but not anywhere near sufficient for the new multi decade phase of life dubbed “retirement”. A middle class person like a business analyst would likely need closer to $2 million to retire early in today’s current environment

How are things working out for the OP?

Tell us what's up Mr. Moneybags!

Ok, i just registered to this site to make a comment, as i was actually researching the same thing as the OP.. i got about that much w a recent IPO, but ideally it will be much more than 500k since the stock is new.

The funny thing is im the same age, 33. Here is what I have done so far, and what im doing. My background is a bit different and I have a lot more already, as I was setting myself up for FIRE before i got this "windfall". At 25-26 i didnt have anything, just my job and like 5k saved. I did go to grad school, London Business School and did travel the world lived in China 2yrs etc, so traveling for me isnt a big deal, already done that early like some posters' daughter is thinking:

- I came to NYC about 6rys age from europe, worked in fintech and started working around 25 w a 80k starting salary in London, that quickly went over 100k when i moved to NYC. I spend 2000/m on rent, daytraded at my job and lost a ton and realized i need to buy my own place

- only NJ was an option so i started buying my first house 5 yrs ago, 145k condo which i rented a room out for 900/m, mortgage was 850. So now i lived in NYC area, made over 100k and didnt have any rent to pay.. thats essentially how i started

- 2yrs later i bought a 2family in Jersey City, 400k house w mortgage PITI at 2400/m and rented for 3600/m, essentially making 1000/m clean after taxes (and all the tax benefits, depreciation etc writeoffs u can research). So this was my first real investment to get "out of the rat race".

- i worked in fintech startups in NYC and dabbled in real estate more, getting licensed etc. I worked at good startups w easy workload doing sales, good commission etc so i was lucky, and then this IPO) came and now i got this money, right in the middle of Covid.

- now, even though i had now 2 houses by age 30 and over 100k salary and saved about 80% of my salary, i hustled: i bought a car after walking around NYC for years in the snow and freezing to death and what did i do? I rented it on Turo or i drove uber/lyft after work. Not much money but cleared like 20k a year as a side hustle. There was a point inbetween jobs where i just did uber for 6months full time.. quite hard and miserable existance but i had 2 houses and bunch of tenants keeping me afloat

- now 2021, age 33, i just bought my 3rd house, not that much an investment property per se, but a condo on the beach in Miami. Due to remote work forever (at least at my company), it made sense to move down to FL for tax reasons and also quality of life. I lived like a rat in NJ/NYC esp during covid, hated the cold and i just got your similar 500k windfally in stock options, so i thought.. lets go for it

- this 3rd condo is ONLY 2.75% 30yr fixed rate, has a canal and private beach access, pool gym and tennis court. Mainly old people so its lame BUT im single and got cash, houses and a new way of life. I rented out my room i used to live in, so my 2 houses in NJ now pay for this 3rd condo fully, so essentially i own 3 properties worth about 800k combined, plus the 500k stock options, 40k HELOC on on one of my places and am doing a cash out refi on the 2family to pull like 50k out..

- i also trade like the daytrader comment guy, webull dabbling since March, made about 15k profit on 25k.. so i want to dive deeper into it w the 500k.

- im also not super pumped about my job but its a super niche area of fintech w APIs and sh**, and pays now over 130k... and i do it remote, was just in Tulum for 1month in dec so... what more can I ask for? leaving jobs is hard, i always want to, but this resume gap stuff idk.. it hurts the ego, unless you become a founder of a cool company. idk, my ego would be bruised if i couldnt say im this or that.. but im single and i want to.. impress still :)

- SUMMARY; i did 2 things so far w the money, mainly real estate investments and daytrading stocks on the side

Im not giving you suggestions, i just wrote down what i do/did that can give u ideas. But down the line whoever said u should wait a while is a good advice, get ur mind to that level that you are now a "millionaire" and start thinking of growing. Dont look at it as 500k. Look at is as a plant that will grow into 1M than 5M than 10M, basically plan out big money milestones. At least thats how I think about it, and yea break it down, invest some safely and some more risky.

But i read u rent and thats kinda lame at 34. I dont want to give you this real estate guru pitch, but trust me man.. owning properties that cash flow, the millions of ways u can squeeze money out of them after they appreciate (refi, 1031 exchange, HELOC, 2yrs rental income qualifying for loans etc) is crazy. Im from Europe so americans dont get how lucky they are w all this lending and credit going around.. ppl there work their whole life to buy 1 single measly house.

So i would start trading it as someone said, have goals to make more trading stocks than your current salary. The rest id invest it in 2-3 properties to have at least 1-2k/month passive income that pays down your mortgage and leaves that much net cashflow.

Than do your travel, reinventing yourself thing after you set up assets that are now working for you.

left you a long comment

The most important question, is this 500k before or after taxes?

You should be up $50-60K by now, or up $32 million if you bought bitcoin.

Which is it? Or are you driving an awesome Lexus?

Did you do anything?

This is wise advice!!!

Bro put 500k in Bitcoin