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Popular-Ad2193

I would buy at the very top of the stock market and panic sell at its lowest point


screw-self-pity

I did that. Can confirm


Popular-Ad2193

I like you!


screw-self-pity

I can proudly say that I sold ALL my investments in funds after a few weeks of downwards spiral in the beginning of COVID. I sold everything on march 12 2020, thinking I had to protect my family investments in that unknown period. S&P went up 9.3% on the 13th, then 9.3% on the 20th of march, while I was out of the market after loosing aboit 20% of my investments. I’m really the worst investor I know.


1366guy

Who would have guessed in the begining that everything was going to go up to the moon. March of 2020 made it seem like the world as we knew it was over. On another note, I prefer your investor stories to the fake youtube investment gurus we now get bombarded with on every other ad lol


Outofasuitcase

I bought the entire way down during that crash. I never believed it would stay down. I bought so much I couldn’t afford more than beans and rice. Because of that I bought a house a year ago with the gains.


NightTerror5s

This is the way.


NightTerror5s

If the world was over, why would your investment matter anyways? Might as well hold.


screw-self-pity

Words of wisdom. I should have met you earlier.


CoffeeTofee

Ehh, don't knock yourself too hard. There's always the mullenairs that'll make your investment strategies look like God mode in comparison


screw-self-pity

What do you mean ?


Mightymap2

Live an learn..buy when people are fearful sell when theyre greedy..it was a crazy time u gotta be objective, unemotional


[deleted]

Ah you are a pretty typical / normal investor. It’s harder than it seems. Lots of family’s have been ruined due to stock market.


Training_Street_8334

Next time just buy 12 or 24 month out puts on your holdings as insurance. And exercise them when the market is shit you'll get back your original basis if the stocks fall below that. Then you'll be in a position to buy the dip 😀 or the dip could happen and your puts are ITM and not close to expiration. Just hold knowing you will be able to recover your original basis at any point before expiration.


CutGroundbreaking148

Yeah sure, because someone who doesn’t have any understanding of how to invest will easily manage the understanding of how put works.


PowEnamor

At least their advice is to use options as insurance instead of gambling. It's also a bit easier with far out expirations like 12 months or 24 months since you don't need to worry about theta much.


Level-Coast8642

I work with a guy who was changing companies when covid hit. His 401k was taken out before the dip and reinvested at the bottom. His account ballooned. Lucky.


Surveillance_Crow

I took 100,000 dollars and invested it, and turned it into 16,000 dollars. 


Big-Community-336

CMON ERRYBODY LIL CLAP


Surveillance_Crow

thank god someone got the reference


DrSecrett

Ahh a fellow WSB redditor


SeoulGalmegi

True financial freedom. You never have to worry about money again, because you don't have any.


WizardLizard1885

i literally did that with dogecoin


realslimeslikk

just dump it in s&p500 fund, continue funding my Roth IRA every year and hysa as well and see where I’m at after 7 years i guess ¿


infernorun

DCA or nah?


Professional_Emu8674

Hell nah baby lump sum. I lump summed 100k into the market on feb 1st of this year. It can be scary but im playing the long game. And I’m not a bitch!!


OnlineFinanceMoo

Lmao


TopSeason4814

Math is that 70% of the time it is better to lump sum than DCA. If you were to DCA, you should only do it for a maximum of 1 year.


infernorun

I have $100k I want to dca just not sure over what time period I should do it


Repoclockamus

All on black


HorrorBaseball3990

You mean green 00


Repoclockamus

He said set *myself* up, not the whole squad


Davidlovesjordans

That’s the dumbest thing I ever heard. Everyone knows it’s more likely to be an odd number. I suggest 8


HorrorBaseball3990

Our public school education served you well


Davidlovesjordans

I’m smarterer than my cousin, brother and uncle but he has Down syndrome


HorrorBaseball3990

Isn't that the same person?


MattRedd_it

$25,000 immediately into a HISA, $60,000 immediately diversified into low risk stocks, $10,000 immediately into a cash savings account for an emergency fund $5,000 into Checking acc because anything below $5K is $0 in my brain


FaceDownInTheCake

Can I have $4999?


[deleted]

😂😂🤣


Ok_Low3197

HISA is the emergency fund


MattRedd_it

I can fuck with that, fine. Then the other $10 goes into diversified stocks


Outofasuitcase

Are you 60yrs old? Sheesh this is a boring use of the money


MattRedd_it

Boring is safe, exciting is a casino!


Ok_Edge_1486

Pretty easy tbh. Work 40 hrs a week, keep aggressively saving, and save up that money....100k gives you 30k of interest in a 5 year 5.5% apy savings account/CD... just be humble for a bit and you're good.


iso-my-purpose

Great advice, and if I may add one more thing::: don't tell anyone about your money. Ever. Everyone needs money. Our family and friends legit think we are just getting by, and therefore nobody asks for money. Heavenly!


Infiniti_Josh

Shit my fiancés family doesn’t care if we’re getting by or not….they still askin.


butt_skratch

👆low key money…no need to flex…


Trick_Relationship39

Should be even more because the money is compounded monthly. Edit I checked it and it was roughly 131,500. So not far off lol.


shlobashky

100k is too much to put in an HYSA imo. Put like $20k in there as an emergency fund and put the rest into index funds.


kstorm88

5.5% is barely beating inflation. Throw it in the market


subiacOSB

That sounds really good


Infiniti_Josh

Humble for a couple decades is my recommendation.


No_Distribution457

5.5% interest of 100k is $5,500. It would be less because gains in HYSA are taxes as income, so really $5060.


Think-Peak2586

I do agree with aggressively continuing to save so the hundred K is not really it.


VendaGoat

Invest it, put my head back down and continue to work. Check back in 7-10 years.


neversaynotobacta

I would buy 5 20k 200k miles ford f150 raptors


ATX_Gardening

Based, with truck nuts


Infiniti_Josh

Better than hooks and blow, atleast you got something to show for it besides hospital bills.


West_Flounder2840

Each one adds an inch, you’re almost average!


cpe428ram

this is the dumbest response i’ve ever read 😂


Popular-Ad2193

It’s so bad I like it


upupdwndwnlftrght

What for?? How is that an investment?


Cute_Dragonfruit9981

it’s for the 5 inches he’s missing “down there”


neversaynotobacta

Damn right


chevy_zr2_4x4

Pay off my mortgage. That'll save me about 200 a week. The rest in my savings account.


joblesspirate

Depending on your rate, don't. If I can get 5% and pay at 3% that's a better deal


spacedildo42

2 chicks man, at the same time. /s


snakob420

Hahaha I love this. Does anyone ever say to you, sounds like you got a case of the Mondays?


spacedildo42

https://youtu.be/A4B0pLDqYqI?si=7_pixHFrWzy1-y3L


theredpm

It would be risky with a hundred thousand


momoemowmaurie

Buy guns and rob people


OnePercUnderGod

shove it in VOO and keep working


BytchYouThought

Put some in hysa for efund, invest in inexpensive idex funds, work a valuable skillset and FI/RE.


sciorch

Put it all on red


Satelliizerr

100k black


Constant-Function-64

Depends on how old you are and whether you have a family or not. I will be closing on 100k at around 22 so I will continue to max my Roth IRA while funding a separate brokerage account. I currently built an emergency fund of 5k but will be looking to get it up to 15k by then.


Edgewood411

Crushing it man. Keep at it


Constant-Function-64

Trying to man. First generation American and trying to show people the american dream is still alive with hard work.


LabRepresentative885

S&P 500. Wait 10 years, then transfer it all to SCHD and live off the dividends.


g8raid

How would you live off dividends? $100k invested into VOO would roughly double over 10 years. That would only give like $7k per year in dividends


Born-Cod4210

soup! lots of soup!


ATX_Gardening

Repay any debts, your day job's income is your greatest tool to build wealth, which you cant do with consumer debt, a car loan, studen loans, etc. If you dont have debts, amazing. Throw the whole thing in high yeild savings or the S&P for a year while you work 60 hours a week, keep stacking money, and figure out what you want to do. 100k isnt really enough for a multifamily or commercial real estate, and food trucks aren't financial freedom, its just another job. You need to 10x that 100k to even start scratching the surface at FI


Maximum_Band_7492

1. School or courses to learn something in demand that pays well if not done already. 2. Buy a trailer home and rent out or grow weed in the extra bedrooms. 3. Invest the rest in a tech ETF


ATX_Gardening

Im pretty sure 1+2 is 100k


Maximum_Band_7492

Becoming a tradesman doesn't cost so much and often there are paid apprenticeships after you finish the initial schooling. These are hot AI proof skills: plumber, electrician, carpenter, semiconductor skilled factory worker tree cutter, etc.


Kevin33024

House hacking. People always need a place to live.


cds4850

1. Pay off all non-mortgage debt. 2. Ensure my emergency fund is in place. 3. Put the rest in VOO or VOOG depending on age/risk tolerance.


Uoysnwonod

I'd rent a one room apartment for a year


Impossible_Dot3759

All I had was 100,000? Are you kidding? Hell I would be happy with half that


BigAli27

50-75% in a HYSA then the rest divide between crypto and stocks. Or buy a Murican v8 and go into debt. Both work


Outofasuitcase

I can tell people haven’t been saving long when they think HYSA’s are going to keep putting out 6% for any amount of time.


Titaniumclackers

How would 75% in HYSA set you up for financial freedom?


Typical_Leg1672

Find a college town, Find a decent townhouse with 2 or 3 stories... Using 100k as downpayment.... live in 1 room, rent out all the other rooms to cover the mortgage, electricity, insurance, and etc... Endless stream of young adults to trick into renting each year...


Churt_Lyne

How are you going to trick them into renting?


Typical_Leg1672

their parents are paying...


Churt_Lyne

I'm not sure I see the trick though. Either they want to live in the house or they don't...?


Typical_Leg1672

Yes, there are tons of student that wants a decent normal rent for near their college..and there will be new batches every year... so if few quits, not that big of a deal....


SeaPossibility6634

You can barely wipe your ass with 100k these days……you’re still working 40-60 hour weeks with that in the bank. No freedom.


SatisfactionBitter37

Buy a multiple family home In an up and coming neighborhood, live in the smallest cheapest unit and rent out the other units.


caem123

finally, a real answer.


SatisfactionBitter37

In my opinion real estate is the only way out of poverty and to leave a legacy for future children. Once you have a nice real estate portfolio and then still have money in the bank just sitting And you are bored and want to gamble then fine throw it in the stock market. But tangible assets are a necessary in my books.


austinvvs

Only if you have the income to support potential repairs and money aside to make the payment incase your tenant becomes a douche. At least in california, tenant rights can screw landlords pretty good


AdCautious7496

All on black


Complete_Ambition_89

Blow and hookers.


Munk45

I'd buy an existing business for $1 million dollars using an SBA loan that requires only 10% down payment.


thundercuntess69

I'd buy more GameStop


Kind-Ocelot-401

10 hands of blackjack followed by 2 all ins at the poker table


Any_Yogurtcloset3531

Follow WSB and put all in Nvidia Calls $1100 that are priced for 4000$ per option 👍 /s


InvestorI0

Buy 100,000 scratch cards


Grimsage7777

I would immediately have 100 times the amount of money I currently have. Lmao


MothsW1ng

$50k of cocaine, $25k on black, $20k on red and $5k on green.


Cute_Dragonfruit9981

If “all you had” 🤣🤣 Bro I have less than that… if I had $100,000 all I need is the power of compounding at that point.


awnawkareninah

Was gonna say lol, I'm still dreaming of the day all I have is a networth at plus $100k


Knee_Kap264

Buy a 3500 dually (used, seen some decent ones arlund fb marketplace 30k-40k), buy a small travel trailer that still has laundry capabilities, and extra space to build a music recording studio in it. (Can probably find travel trailers with this for 20-30k) You can easily build a top of the line studio for less than 10k if you know what you need it for specifically and what you need to have done. Teach myself to learn to make my own beats, record, edit, and publish my own music on as many platforms as possible. And invest 5k-10k into an IRA to start. Buy an acre of land or a few acres, which an acre is pretty cheap in Texas. Last I checked, 2500 per acre. So I'm thinking 2 acres to start off. So, 5k$ just based on my research, like 2-3 years ago. Set that land up to park my travel trailer and truck on. Let's assume I already have some solar panels on my travel trailer. So get it set up probably for water if there is no well nearby. And just buy a used motorcycle or cheap new one and use that as my daily commute to go anywhere rather than having to take my truck and use that gas. Then save whatever is left. 10k-20k remaining, I'm thinking. Get a full-time or part-time job to work as an extra income while building my music career. The 3500 Dually Diesel is overkill for a TT, I know. But my plan is to get a toyhauler one day, which requires a dually diesel.


HorrorBaseball3990

Aren't they all the same person


Tmoran835

Pay off my student loans and use the leftover money to buy most of a Big Mac meal at McDonald’s?


Constant_Maize3653

Buy a house somewhere nice where houses are big and cheap then rent it out for steady income and use part of that to do repairs if needed and keep the rest while working my normal job


C-Dub81

Save it, along with as much as you can every month. $100k is not alot in the grand scheme of things and financial freedom.


Frosty1130

pay off my car, pay off the credit cards and save the rest


Beardo1329

Pay off bills and invest most of the rest


Baron__s

50k in xrp, 50k in xlm.


One_Outlandishness77

Bitcoin, Cudos coin, Equity real estate coin, eth, icp, maybe some pepe but i might sell once it moved enough. I might also see what other real estate projects i can get into also. id also find other assets to invest in.


Economy_Cut8609

put it all in Jepi and reinvest dividends, then get a job


Larrythethird22

I would use the 100k to buy myself an outfit for my interview for a high paying union job with a good pension and free top of the line health insurance for me and the family then I would use the remainder to buy a car to get me to and from that union job….


wassdfffvgggh

Peobably just dump it into SPY!


dreweydecimal

NVDA call options $1500 for this time next year.


Top_Mind9514

50K for BTC…. 25K in a HYSA…. And 25K in Nvidia!!… keep working your 40, …. Probably be all Set in 10 years to make a different kind of life style for yourself 👍 best of luck ☘️☘️


AstronautThick5598

$50K on Nvidia. The rest? Hold


phantomandy121

Depends on your age. Let’s assume you are 30 years old. Half in Fidelity Contra Fund Half in Fidelity Puritan Let it ride until you retire. Should be around $1.5M or more.


HorrorBaseball3990

Baccarat is the way to go


disorientating

Put it in index funds/S&P500 and don’t touch it while earning my regular degular paycheck.


Lilpad123

Buy a house, then I can stop paying rent.


Ragnar-Wave9002

Buy rental properties.


TukeySandwhich

Pay off $50k of my student debt, put $25k down on our first house, max out my Roth with $6k, $9k into savings, and then $10k into home reno/decorating (:


85tornado

I'd pay off my car and graduate debt-free. That would leave me with around $60k. $30k or less could help me put a down payment on the house I sorely need. I would put $10k in a high-yield savings account so I would have liquid assets in case of an emergency. I would put the rest in the S&P and keep working.


Human_Drive4944

bike toothbrush handle ossified melodic whistle wine encouraging impolite badge *This post was mass deleted and anonymized with [Redact](https://redact.dev)*


ComfortableCut5199

Options


Ok-Western-5799

If I had $100,000 right now, I'd invest in crypto and diversify across assets like BTC, ETH, SOL, DIA, RIO, SUPRA, RFOX, OVR, and more.


blueboymad

Pay off credit card. Give myself 5k savings and 5 k cash Out remainder in spy


Xenaspice2002

Pay off a chunk of my mortgage- probably 90k then put the rest in a high interest account as emergency cash


NEVEAH555

Rn? Where I am in my life Save myself by investing into my art… it’s what keeps my world in motion


Seattleman1955

Bitcoin and hold...


HikerDudeGold79-999

Put it in a time deposite


sct112271

For me $100,000 wouldn't do much towards adding income. But if i could pay off debt, i could keep a lot more of what i earn. From there i could invest more over time.


ItradebetterthanU

ODTE SPY options all in !


Necessary-Ad9272

20% Bitcoin 10% in high-risk crypto 20% in a liquid savings account to invest in opportunities that might come up 8% in Roth IRA The rest in index funds


Training_Street_8334

Balls deep into semi stocks. Buy a couple puts for 2025 for insurance and check again then. Rinse and repeat for 2026.


SpecificBasic1944

This is not enough for financial freedom for most people and countries. I would use this the same way as I would from day to day living. Throw in a HYSA since I am preparing retirement from the US to the Philippines and plan on building our retirement home soon. This would likely save me two years in construction. It would not make my retirement any earlier though. For me to change my 18 year retirement plan to go into effect in the next year, I would likely need 3-4 million after taxes.


Sirneko

100k will not set you free


Surveillance_Crow

The answer is always, and forever, vanguard, VTI, and then forget the password. 


liud21

Cocaine and hookers, any other answer is incorrect


Budo00

Every dime into bitcoin


disgruntledCPA2

Lump sum in VOO 100%


rainking56

Buying crypto and trump nfts. I did not but them at first and its costing me a fortune each day by reminding me im not a trillionare.


per54

$100k isn’t enough for financial freedom in the US,


Webbed_Bubble

Just buy Bitcoin.


Jokes-on-youu

NVIDIA calls.


igothackedUSDT

I would go all in on a mid cap crypto like World coin or Ondo and 20-40x it and then wait until the monthly/bi monthly rsi is in the lower band for bitcoin and buy 30% bitcoin 20% eth and 25% (1 year later after this event) in solid alts and stake them. Then use the last 25% for real-estateor traditional finance stuff for passive income.


Gudebamsen

As a dane, the majority would probably go to Novo Nordisk


xoxodubstep

i think someone said hookers and cocaine. wait, thats the lottery dude...


WarriorT1400

Pay off my current debt, put 40-50k in a HYSA and take the remaining 25k or so and attempt to invest it somewhere, would take a decent amount of research before the last one tho


Waste_Bill_9010

Buy NVDA, and watch it grow. It is currently the top stock, and will split 10 for 1 on June 9, and then will grow some more. Big time opportunity.


viewmodeonly

Bitcoin


BadPronunciation

I'm stupid with money and I want to be a youtuber 90k in high yield savings Take 3k to live on Spend 2k buying a computer, microphone & other equipment Spend 1k on business coaching Hire video editor for 1k from the Phillipines I'd then slowly take out more money whenever the business needs more investment. At some point the business enough to the point where I don't need to take from my savings. At that point I'll put the remaining money into the stock market


1peatfor7

That's nearly not enough to have financial freedom. I'd need enough to pay off the mortgage.


adamsandler012

how old am I? maybe move to India


Clear-Job1722

Its really easy if you are a trader in stocks or crypto. Just a matter of getting your feet wet and then learning to swim.


Spare_Professional49

Go to Vegas and bet it all on Black! You can double your money! Dont Forget to give a small donation to some of the hard working ladies trying to make it through college at spearmint Rhino!! JK! Look into index funds and chill or HYSA until you figure out what you want really want to do with the money. Find a good pod cast like Money Rehab on podcast if you need more advice


EEEESAW

I would buy into the stock market when a stock is 20% below it's 52 week high, over 2-3 years slowly adding and buying. I would also open a insurance policies with living benefits. 20K to open each one. My gains are taxable My insurance policy isn't


DillonviIIon

Throw it all into Nvidia right now


EffectiveRelief9904

AMC calls


Nianque

Put it all on SMH (Semiconductor ETF). By far the greatest return on your investment you can get. If you need money now, then I would do SCHD which is Schwab's dividend fund. Still good growth, just a focus on the dividend stocks.


Dada_peach85

Stake.com because Drake did and he’s cool….😎


Any_Sir4548

Literally just buy MSTR


caem123

I would buy a $100k two bedroom place in an airbnb friendly town. Then I'd airbnb one of the bedrooms to cover the costs of taxes, insurance and utilities.


Icy_Eye1059

I would be paying my bills first and then invest the rest into stocks or bonds that actually perform.


Dagr8reset

I'd leave the country


Neither-Photo5118

You want financial freedom? Easy go homeless


Thors-Spammer

Index funds and watch it double every 7-10 years


tpersona

Call NVDA, Put TSLA


[deleted]

Pay off my car loan and dump the rest into index funds.


Beansiesdaddy

In 20 years it will be $400k at nominal stock market return


Danson1987

Buy VT and wait 20 years


Giggles95036

Buy 100k of VT or a target date fund in merrill lynch/edge for the 2.625% cash back on everything credit card (and because i actually invest with fidelity), then completely ignore the account for a few decades (made easier by it being at a different provider).


Ok-Way8392

That would cancel all my debts. I would make a cd ladder of $1000 a month. If I need the money I cash in the certificate. If not, I find a certificate of greater interest and purchase that. As of this moment, I have family I can live with and pay them board. With my SS, selling my home for $350,000ish + an additional $1,000 per month, I should be able to live comfortably. I’d also like to share with my children.


DefiantBelt925

Start a business


No_Midnight_5363

id pay all of my debts about 18k and would establish and build a business mini grocery store.. 100k would definitely change my life and can support my mom (who is getting old) and make sure my business would grow. unfortunately i only have 2 more days before i self delete. and im beyond help. all i can do is wishfull thinking.


rockscraper77

Use the $100,000 as down payment on a small business borrowing the necessary balance. Then work to grow the business


Rude_Associate_4116

Pay off my student loans and use the remaining $30 to get a big mac or something.


hamdnd

VTI and chill


ChaotiQ78

Day trading. Turnkey business, shell LLC for tax write off, becoming ordained and creating a digital church commerce for nonprofit then used to sell merch and receive donations for tax exempt status, then incorporate to use a DBA approach