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Laid off at 55 in Tech

OK, this one's a doozy. And my first autoadmit post. Lookin...
provocative cuck
  09/18/25
run some numbers on renting out house and taking mortgage on...
idiotic hell
  09/18/25
also are you gay (important)
idiotic hell
  09/18/25
Because if you are this bro can offer you a way to make some...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  09/19/25
How would paying men for sex help me?
dave ramsey
  09/19/25
Think bigger
A Dick is Not Dispositive
  09/19/25
True, gotta spend money to make money.
dave ramsey
  09/19/25
salesforce will hire you if ur that unhirable i know boom...
bistre fantasy-prone ceo
  09/18/25
...
heady painfully honest stage
  09/18/25
How are u set as far as azn pussy is concerned?
Sepia razzmatazz institution ladyboy
  09/18/25
Involuntary celibate for approximately the last 15 years.
provocative cuck
  09/18/25
Race?
dark floppy sanctuary sound barrier
  09/18/25
White
provocative cuck
  09/18/25
Flame exposed here
stubborn fragrant boiling water main people
  09/18/25
Debated going Indian here. Asian felt too easy.
provocative cuck
  09/18/25
...
Louis Poasteur
  09/19/25
...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  09/19/25
just jumped the shark
Mr Right
  09/19/25
u maed it
Paralegalstack
  09/19/25
Can you live off the side gig? Maybe focus on it and make m...
salmon business firm
  09/18/25
Wtf is this? How did a 55 yr old nonlawyer find this site? W...
know-it-all fishy step-uncle's house
  09/18/25
My friend told me about it.
provocative cuck
  09/18/25
He is gay, isn't he
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  09/19/25
We met through the nude bodybuilding community
dave ramsey
  09/19/25
You're bald
Rose Dingle Berry Brunch
  09/18/25
...
Apoplectic Deranged Cruise Ship
  09/18/25
just get the 70k in expenses down to like 50k and dont ever ...
mentally impaired keepsake machete fat ankles
  09/18/25
...
aquamarine people who are hurt
  09/19/25
State your console history
dark floppy sanctuary sound barrier
  09/18/25
How is this situation a "doozy"? It seems pretty b...
stubborn fragrant boiling water main people
  09/18/25
...
aquamarine people who are hurt
  09/19/25
he sld at least switch to SPYD or SHCD and cop dat dividend
AZNgirl Wearing 'Detain my Pussy' Sign outside ICE
  09/19/25
You need to get into an SMB. Think home services/car wash/st...
impertinent hairless quadroon double fault
  09/18/25
Target gov and gov contractor roles.
Learning disabled red kitchen volcanic crater
  09/18/25
...
Onyx violent space
  09/18/25
...
Emerald Digit Ratio
  09/19/25
...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  09/19/25
Don't sell the house with the 2.5% mortgage. WTF.
light forum
  09/18/25
Yeah - assuming this is flame but the house is basically fre...
Tantric Dashing Mediation
  09/19/25
I paid off my home with a 3% mortgage and don't gaf what fin...
aquamarine people who are hurt
  09/19/25
how did you get a .edu email address and xo account at age 5...
khaki pervert national
  09/18/25
...
Apoplectic Deranged Cruise Ship
  09/18/25
?
provocative cuck
  09/18/25
Good schools give you an edu for life
Emerald Digit Ratio
  09/19/25
...
richard clock
  09/19/25
...
Mr Right
  09/19/25
🎯 Your Big Question: What to Do With $400,000 in Cash? L...
Pea-brained swashbuckling stag film cuckoldry
  09/18/25
do me next: i have $1million and im gay, tyia
Mr Right
  09/19/25
That's exciting! With $1 million, you've got a lot of option...
.;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,,.,,....,
  09/19/25
LEARN TO CODE Oh wait....
Chartreuse supple range regret
  09/18/25
Just retire
aquamarine people who are hurt
  09/19/25
Try a national lab, they’re hiring and welcome older m...
Amber center wagecucks
  09/19/25
Hey brother how you doing, I live in SF too. Let’s s...
Maniacal faggotry
  09/19/25
Are you 100% Asian? Either way count me in. BTW you around...
cerise beady-eyed nibblets meetinghouse
  09/19/25
...
Wang Hernandez
  09/19/25
What's your throwaway?
Gay Grandpa
  09/19/25
wtf wld u stay in SF, are u a fag and need SF ass? u hav...
AZNgirl Wearing 'Detain my Pussy' Sign outside ICE
  09/19/25
s t e a m w o r k s
red 40
  09/19/25
You aren't also factoring in ur SS payments which u can star...
AZNgirl Wearing 'Detain my Pussy' Sign outside ICE
  09/19/25
you're too young to retire-- use your best contacts for a la...
Brussels Sprout: Brussels,Helsinki,Stockholm,Kyiv
  09/19/25
ljl good goy
AZNgirl Wearing 'Detain my Pussy' Sign outside ICE
  09/19/25
...
Barry Stanton
  09/19/25
my first autoadmit post tp
Paralegalstack
  09/19/25
...
dave ramsey
  09/19/25
...
seething mediocre white guy
  09/19/25
...
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  09/19/25
...
manic pixie dream litigator
  09/19/25
just retire and do the TT lifestyle
richard clock
  09/19/25
What are they saying on Reddit, which is where op stole this...
OldHLSDude
  09/19/25
Not true he said it's his first autoadmit post. It's right t...
Paralegalstack
  09/19/25
...
richard clock
  09/19/25
...
dave ramsey
  09/19/25
...
A Dick is Not Dispositive
  09/19/25
Redditors steal autoadmit content and repost it there.
the historical poaster
  09/19/25
...
gibberish (?)
  09/19/25
I’ve heard about this happening a lot
dave ramsey
  09/19/25
...
Hyderabadass
  09/19/25
Cr. Never seen the reverse.
A Dick is Not Dispositive
  09/19/25
These kind of posts remind me of how unambitious I am -- I w...
Texas School Book Suppository
  09/19/25
seriously. people who need some kind of shitty W2 job to fee...
OYT: Dinosaur Hunter
  09/19/25
...
hideous genital piercing quadroon
  09/19/25
...
but at what cost
  09/19/25
move to Kyrgyzstan and live like a demigod
\'\'\"\"\'\'\'\"
  09/19/25
Why Kyrgyzstan
.,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.
  09/19/25
they have the hottest men https://www.dreamstime.com/kyrgyz-...
AZNgirl Wearing 'Detain my Pussy' Sign outside ICE
  09/19/25
i have a hat just like that i call it my Poasting Hat
Paralegalstack
  09/19/25
...
charismatic violent lowlife fan stage
  09/19/25


Poast new message in this thread



Reply Favorite

Date: September 18th, 2025 7:54 PM
Author: provocative cuck

OK, this one's a doozy. And my first autoadmit post. Looking for some financial advice and input from the great sages among you.

Based in San Francisco. Was just laid off from my job at a software company after 13 years there. Am not hopeful for being immediately hired in tech again soon, if ever. So Im assuming worst case scenario that Im not working a well paid job or perhaps any job anytime soon (Im talking years). Here is my current financial picture:

401K accounts (Fidelity and Vanguard): $950,000, with about 50% in VWENX (balanced 60/40 US stock/bonds), 40% in FXAIX ETF (tracks S&P 500), 10% in FBALX (balanced 60/40 US stocks/bonds).

Brokerage Account: $1.25 million, with about 70% in VTI, 10% in VGT, 10% in VOO + VOOG, and varying amounts in XYZ (Block), NVDA, IBIT. $50,000 in BND (Vanguard total Bond ETF).

Cash: $450,000 (a chunk of this is meant for emergency fund, and home maintenance (new roof, at the very least)).

Home Mortgage remaining: $640,000, 2.5% interest.

Home Value: $1.6 million, according to Zillow. At the peak in 2022, Zillow estimated it to be $2.1 million.

Total annual expenses: $70,000 (this includes mortgage, property taxes, insurance, utilities, food, etc). Im frugal.

I want to downsize and sell the house, and will pay CASH for a condo with a target of $900,000. But will likely hold out for a few years for, HOPEFULLY, improvement in the housing market.

Oh, and I have had a side gig for the past 20+ years that has reliably brought in about $25K-30K/year (pre-tax).

No other liabilities. Single. Child independent and working. No intention of ever leaving SF.... unless im desperate and really running out of money.

Oh yeah, and I have $330,000 in previous tax losses that I can harvest ahead, due to some significant losses in individual stocks (now I stay away from individual stocks and stick with ETFs).

My BIG question is..... what do I do with that $400,000 in cash? I have a real fear of not finding another well paid job at a tech company again b/c of my age (and alot of the assets Ive accumulated was due to the success of my last company's IPO). Ive worked in tech for a while, but in pre-sales (not engineering/product). Once I downsize and sell the house to pay cash for a condo, I will be relieved of a mortgage and my annual expenses will be much lower. But what's the best way to put my cash to work now, while optimizing returns and minimizing risk, since Im not working now and may not be for a while????

Thanks for any input!!

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282695)



Reply Favorite

Date: September 18th, 2025 8:38 PM
Author: idiotic hell

run some numbers on renting out house and taking mortgage on condo

also

> Home Value: $1.6 million, according to Zillow. At the peak in 2022, Zillow estimated it to be $2.1 million.

literally never seen any bay area home value decrease except for a very brief period in 2008

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282791)



Reply Favorite

Date: September 18th, 2025 8:47 PM
Author: idiotic hell

also are you gay (important)

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282805)



Reply Favorite

Date: September 19th, 2025 12:24 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


Because if you are this bro can offer you a way to make some cash. Hint: it involves sex with men for money. However, if you're not this can still be on the table.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284064)



Reply Favorite

Date: September 19th, 2025 12:30 PM
Author: dave ramsey

How would paying men for sex help me?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284088)



Reply Favorite

Date: September 19th, 2025 1:32 PM
Author: A Dick is Not Dispositive

Think bigger

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284284)



Reply Favorite

Date: September 19th, 2025 2:11 PM
Author: dave ramsey

True, gotta spend money to make money.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284436)



Reply Favorite

Date: September 18th, 2025 8:40 PM
Author: bistre fantasy-prone ceo

salesforce will hire you

if ur that unhirable i know boomer tech guys that got jobs at colleges writing custom software to integrate into salesforce

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282794)



Reply Favorite

Date: September 18th, 2025 8:50 PM
Author: heady painfully honest stage



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282809)



Reply Favorite

Date: September 18th, 2025 8:42 PM
Author: Sepia razzmatazz institution ladyboy

How are u set as far as azn pussy is concerned?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282796)



Reply Favorite

Date: September 18th, 2025 9:48 PM
Author: provocative cuck

Involuntary celibate for approximately the last 15 years.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282938)



Reply Favorite

Date: September 18th, 2025 9:54 PM
Author: dark floppy sanctuary sound barrier

Race?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282958)



Reply Favorite

Date: September 18th, 2025 9:54 PM
Author: provocative cuck

White

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282961)



Reply Favorite

Date: September 18th, 2025 9:55 PM
Author: stubborn fragrant boiling water main people

Flame exposed here

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282966)



Reply Favorite

Date: September 18th, 2025 10:06 PM
Author: provocative cuck

Debated going Indian here. Asian felt too easy.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282998)



Reply Favorite

Date: September 19th, 2025 10:30 AM
Author: Louis Poasteur



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283719)



Reply Favorite

Date: September 19th, 2025 12:52 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.




(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284157)



Reply Favorite

Date: September 19th, 2025 10:38 AM
Author: Mr Right

just jumped the shark

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283739)



Reply Favorite

Date: September 19th, 2025 8:46 AM
Author: Paralegalstack (🧐)

u maed it

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283504)



Reply Favorite

Date: September 18th, 2025 8:58 PM
Author: salmon business firm

Can you live off the side gig? Maybe focus on it and make more money at it?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282819)



Reply Favorite

Date: September 18th, 2025 9:51 PM
Author: know-it-all fishy step-uncle's house

Wtf is this? How did a 55 yr old nonlawyer find this site? Were you googling Obama's LSAT or something?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282945)



Reply Favorite

Date: September 18th, 2025 9:52 PM
Author: provocative cuck

My friend told me about it.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282951)



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


He is gay, isn't he

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284066)



Reply Favorite

Date: September 19th, 2025 1:07 PM
Author: dave ramsey

We met through the nude bodybuilding community

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284209)



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: Rose Dingle Berry Brunch

You're bald

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282953)



Reply Favorite

Date: September 18th, 2025 10:15 PM
Author: Apoplectic Deranged Cruise Ship



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283022)



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: mentally impaired keepsake machete fat ankles

just get the 70k in expenses down to like 50k and dont ever work again lmao. also focus on your side gig bs.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282955)



Reply Favorite

Date: September 19th, 2025 12:27 AM
Author: aquamarine people who are hurt



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283225)



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: dark floppy sanctuary sound barrier

State your console history

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282956)



Reply Favorite

Date: September 18th, 2025 9:55 PM
Author: stubborn fragrant boiling water main people

How is this situation a "doozy"? It seems pretty banal. Do you think your situation is especially complicated or bad? Just stop working and go full S&P and live off your investments if you only spend 90k per year and have no dependents

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49282963)



Reply Favorite

Date: September 19th, 2025 12:47 AM
Author: aquamarine people who are hurt



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283240)



Reply Favorite

Date: September 19th, 2025 2:38 AM
Author: AZNgirl Wearing 'Detain my Pussy' Sign outside ICE

he sld at least switch to SPYD or SHCD and cop dat dividend

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283297)



Reply Favorite

Date: September 18th, 2025 10:07 PM
Author: impertinent hairless quadroon double fault

You need to get into an SMB. Think home services/car wash/storage unit/franchise shit. It will be way below what you’re accustomed to but use that equity to find something with a solid cash flow that you can sell in 10-15 years when ready to retire.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283001)



Reply Favorite

Date: September 18th, 2025 10:16 PM
Author: Learning disabled red kitchen volcanic crater

Target gov and gov contractor roles.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283026)



Reply Favorite

Date: September 18th, 2025 10:20 PM
Author: Onyx violent space



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283037)



Reply Favorite

Date: September 19th, 2025 12:42 AM
Author: Emerald Digit Ratio



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283237)



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.




(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284068)



Reply Favorite

Date: September 18th, 2025 10:20 PM
Author: light forum

Don't sell the house with the 2.5% mortgage. WTF.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283038)



Reply Favorite

Date: September 19th, 2025 12:38 AM
Author: Tantric Dashing Mediation

Yeah - assuming this is flame but the house is basically free money and there's almost no way buying a condo with a maintenance fee is lower cost.



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283233)



Reply Favorite

Date: September 19th, 2025 12:48 AM
Author: aquamarine people who are hurt

I paid off my home with a 3% mortgage and don't gaf what financial experts think. I'm not moving anywhere and only owed 100K on it.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283241)



Reply Favorite

Date: September 18th, 2025 10:23 PM
Author: khaki pervert national

how did you get a .edu email address and xo account at age 55

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283044)



Reply Favorite

Date: September 18th, 2025 10:28 PM
Author: Apoplectic Deranged Cruise Ship



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283054)



Reply Favorite

Date: September 18th, 2025 10:43 PM
Author: provocative cuck

?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283081)



Reply Favorite

Date: September 19th, 2025 12:40 AM
Author: Emerald Digit Ratio

Good schools give you an edu for life

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283235)



Reply Favorite

Date: September 19th, 2025 8:52 AM
Author: richard clock



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283512)



Reply Favorite

Date: September 19th, 2025 12:30 PM
Author: Mr Right



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284091)



Reply Favorite

Date: September 18th, 2025 10:28 PM
Author: Pea-brained swashbuckling stag film cuckoldry

🎯 Your Big Question: What to Do With $400,000 in Cash?

Let’s divide this into buckets based on your needs and timeline.

🪣 1. Short-Term Cash Reserve (~$100K–$150K)

This covers:

Emergency fund (ideally 1.5–2 years of expenses since you're not working): ~$105K–$140K

Home maintenance (roof, etc.): Reserve ~$25K–$50K depending on condition

Best options:

High-Yield Savings Account (HYSA) – e.g., Marcus, Ally, SoFi, etc. (currently ~4.5%–5%)

Treasury Bills (3–6 months) via TreasuryDirect or brokerage

Money Market Fund – e.g., Vanguard VMFXX or Fidelity SPAXX (~5%)

Goal: Keep this liquid, safe, and accessible.

🪣 2. Mid-Term Holding (~$300K–$350K)

This is capital you won’t touch until you sell your house and downsize into a condo (likely in a few years).

This is the chunk you want to grow conservatively while minimizing drawdown risk, since you may need to deploy it for a cash purchase.

Best options:

Laddered Treasuries or CDs (1-3 years) – rolling ladder with staggered maturities

Short-term or ultra-short bond ETFs – e.g.:

Vanguard Short-Term Bond ETF (BSV) – low volatility

iShares Short Treasury Bond ETF (SHV)

Vanguard Ultra-Short Bond Fund (VUBFX)

Multi-asset conservative ETF – e.g., Vanguard LifeStrategy Conservative Growth (VSCGX) (~40% stocks, 60% bonds), if you want a slight growth tilt

Avoid: Long-duration bonds, volatile equities, or speculative assets for this pool.

📈 Strategy for the Rest of Your Portfolio

Let’s think beyond the $400K cash and align your entire portfolio for early retirement readiness since you're possibly in a "coast FIRE" or semi-retired mode.

1. Brokerage Investments

You’ve got:

~$1.25M in mostly ETFs (VTI, VGT, VOO, VOOG, NVDA, IBIT, BND)

Suggestions:

Reduce concentrated bets in NVDA and IBIT — trim gradually to lower risk

Target more balance: Add more BND or VTIP for stability

Use tax-loss harvesting and $330K carryforward losses:

Trim winners (like NVDA) and offset gains

Rebalance without tax hit

2. 401(k) Allocation

Since you’re not working and might not touch this until 59.5 or later, let this ride a bit more growth-heavy. But given market cycles, you could:

Keep 60/40 allocation

Or go 70/30 in FXAIX + BND for a slight growth tilt

You’ll want to consider eventual Roth conversions during low-income years (now?) — we can get into that if you're interested.

🏡 Should You Sell Your House Now or Wait?

Your instinct to hold for a better market makes sense, as long as you don’t urgently need to tap equity.

Pros of waiting:

You have low mortgage rate (2.5%)

SF market might rebound somewhat

Delays a taxable event (cap gains)

But don’t wait too long if:

Maintaining the home becomes burdensome

Market continues to soften

You can find a great condo now (condo prices may be more attractive than SFHs)

Just remember:

Once you sell and buy a condo for cash (~$900K), you’ll free up ~$600K in equity.

That equity becomes part of your investable portfolio (with no mortgage burden).

🧮 Are You "Work Optional" Now?

Let’s run the numbers assuming you never work full-time again:

Total Investable Assets (excl. home): ~$2.65M (401k + brokerage + cash)

Net home equity: ~$960K

Total annual expenses: $70K (less if no mortgage)

Side income: $25K–$30K

So, your net draw is only ~$40K–$45K/year.

At a 3.5% withdrawal rate, you'd need:

$1.15M–$1.3M, and you have ~$2.65M+

✅ You're already financially independent (or very close). You could “coast” without a full-time job and supplement from your side gig.

✅ Final Recommendations

🔒 For the $400K Cash:

Bucket Amount Where to Park It

Emergency + Home $100K–$150K HYSA or money market

Downpayment Reserve $250K–$300K Treasury ladder, BSV, SHV, or VSCGX

💡 Other Actions:

Rebalance brokerage portfolio – trim risk assets (NVDA, IBIT), shift toward more BND or VTIP.

Harvest capital gains using your $330K tax loss carryforward.

Evaluate Roth conversion strategy – could save on taxes long-term.

Monitor housing market – but don’t be afraid to sell/move early if the right deal pops up.

Don’t rush to go back to tech — explore freelance, consulting, or even nonprofit work if it’s fulfilling.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283053)



Reply Favorite

Date: September 19th, 2025 10:49 AM
Author: Mr Right

do me next: i have $1million and im gay, tyia

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283775)



Reply Favorite

Date: September 19th, 2025 12:53 PM
Author: .;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,,.,,....,


That's exciting! With $1 million, you've got a lot of options, and the fact that you're gay doesn't necessarily change how you might want to spend it, but I imagine your lifestyle and values might influence some decisions.

If you're looking for financial advice, or maybe more personal/spiritual or community-based guidance, here are some categories to consider:

1. Investing in Your Future:

Real Estate: You could purchase property, either as an investment or to have a place that feels truly yours. A cozy apartment in the city or a vacation home in a place like Palm Springs or Provincetown could be options.

Stocks & Bonds: If you want your wealth to grow over time, investing in the stock market, bonds, or even more niche markets like cryptocurrency or start-ups could be good options. Consider working with a financial advisor to help diversify your portfolio.

Retirement Planning: If you haven’t already, putting money into retirement funds like a 401(k) or an IRA could help ensure long-term stability.

2. Philanthropy & Community Support:

LGBTQ+ Causes: There are countless LGBTQ+ organizations and causes that could benefit from your support, like The Trevor Project, GLAAD, or local advocacy groups. Investing in building community and supporting mental health or homelessness services could be very fulfilling.

LGBTQ+ Businesses: You could also invest in queer-owned businesses or startups, helping others in the community thrive and ensuring you’re supporting a more inclusive economy.

3. Personal Fulfillment & Experiences:

Travel: You could visit places that cater to LGBTQ+ communities, such as Ibiza, Mykonos, or places with vibrant gay scenes like New York or Berlin. You could even do a European tour, seeing historical LGBTQ+ landmarks.

Luxury Purchases: If you enjoy finer things, perhaps some splurge-worthy items like designer clothes, watches, or a high-end car could bring you joy.

Art: Investing in art can be both an emotional and financial investment. You could buy pieces from up-and-coming LGBTQ+ artists or pieces that resonate with your identity.

4. Health, Wellness, and Growth:

Therapy & Coaching: Especially in the LGBTQ+ community, sometimes therapy and coaching can be transformative in navigating relationships, identity, or personal growth. A good therapist or coach can help you process things and work through life transitions.

Physical Health: You might want to invest in a gym membership, a personal trainer, or even retreats focusing on mental and physical wellness. Maybe a yoga retreat in Bali or something that helps you recharge.

5. Giving Back to the Arts & Culture:

LGBTQ+ Film Festivals or Theater: You could help fund or sponsor queer art, films, and theater, or even contribute to LGBTQ+ film festivals or events.

Creating a Scholarship: Establish a scholarship for LGBTQ+ students, or support artists and creators in your community.

Ultimately, your money should serve you—whether that's securing your future, investing in personal happiness, or improving the lives of others in the LGBTQ+ community. How do you imagine your life changing with that kind of financial freedom?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284163)



Reply Favorite

Date: September 18th, 2025 10:34 PM
Author: Chartreuse supple range regret

LEARN TO CODE

Oh wait....

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283063)



Reply Favorite

Date: September 19th, 2025 12:26 AM
Author: aquamarine people who are hurt

Just retire

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283224)



Reply Favorite

Date: September 19th, 2025 12:34 AM
Author: Amber center wagecucks

Try a national lab, they’re hiring and welcome older more dependable people

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283228)



Reply Favorite

Date: September 19th, 2025 1:34 AM
Author: Maniacal faggotry

Hey brother how you doing, I live in SF too. Let’s start a business.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283263)



Reply Favorite

Date: September 19th, 2025 2:07 AM
Author: cerise beady-eyed nibblets meetinghouse

Are you 100% Asian?

Either way count me in.

BTW you around right now?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283286)



Reply Favorite

Date: September 19th, 2025 2:33 AM
Author: Wang Hernandez



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283295)



Reply Favorite

Date: September 19th, 2025 8:59 AM
Author: Gay Grandpa

What's your throwaway?

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283520)



Reply Favorite

Date: September 19th, 2025 2:36 AM
Author: AZNgirl Wearing 'Detain my Pussy' Sign outside ICE

wtf wld u stay in SF, are u a fag and need SF ass?

u have enough money and i guess if u buy a condo outright then u dont have housing costs but it sounds like if u cant get a decent jerb then u will just be ass raping urself financially staying in SF instead of going to mexico, pattaya, or wherever

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283296)



Reply Favorite

Date: September 19th, 2025 4:18 AM
Author: red 40

s t e a m w o r k s

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283341)



Reply Favorite

Date: September 19th, 2025 2:40 AM
Author: AZNgirl Wearing 'Detain my Pussy' Sign outside ICE

You aren't also factoring in ur SS payments which u can start taking in just 7 years, u prob are gonna get 2k a month no?

u are actually set even in faggy SF since ur mortgage rate is good

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283299)



Reply Favorite

Date: September 19th, 2025 6:34 AM
Author: Brussels Sprout: Brussels,Helsinki,Stockholm,Kyiv


you're too young to retire-- use your best contacts for a lateral move and do it now-- if u don't nobody will will find u attractive, not the least of whom is urself

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283401)



Reply Favorite

Date: September 19th, 2025 8:13 AM
Author: AZNgirl Wearing 'Detain my Pussy' Sign outside ICE

ljl good goy

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283471)



Reply Favorite

Date: September 19th, 2025 8:17 AM
Author: Barry Stanton



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283477)



Reply Favorite

Date: September 19th, 2025 8:45 AM
Author: Paralegalstack (🧐)

my first autoadmit post tp

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283500)



Reply Favorite

Date: September 19th, 2025 8:59 AM
Author: dave ramsey



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283519)



Reply Favorite

Date: September 19th, 2025 10:01 AM
Author: seething mediocre white guy



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283659)



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.




(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284069)



Reply Favorite

Date: September 19th, 2025 1:09 PM
Author: manic pixie dream litigator



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284213)



Reply Favorite

Date: September 19th, 2025 8:53 AM
Author: richard clock

just retire and do the TT lifestyle

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283513)



Reply Favorite

Date: September 19th, 2025 10:17 AM
Author: OldHLSDude

What are they saying on Reddit, which is where op stole this from.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283691)



Reply Favorite

Date: September 19th, 2025 10:22 AM
Author: Paralegalstack (🧐)

Not true he said it's his first autoadmit post. It's right there in the text.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283698)



Reply Favorite

Date: September 19th, 2025 10:25 AM
Author: richard clock



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283701)



Reply Favorite

Date: September 19th, 2025 11:26 AM
Author: dave ramsey



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283869)



Reply Favorite

Date: September 19th, 2025 1:49 PM
Author: A Dick is Not Dispositive



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284354)



Reply Favorite

Date: September 19th, 2025 10:23 AM
Author: the historical poaster

Redditors steal autoadmit content and repost it there.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283699)



Reply Favorite

Date: September 19th, 2025 10:26 AM
Author: gibberish (?)



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283706)



Reply Favorite

Date: September 19th, 2025 11:26 AM
Author: dave ramsey

I’ve heard about this happening a lot

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283872)



Reply Favorite

Date: September 19th, 2025 1:41 PM
Author: Hyderabadass



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284323)



Reply Favorite

Date: September 19th, 2025 1:50 PM
Author: A Dick is Not Dispositive

Cr. Never seen the reverse.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284356)



Reply Favorite

Date: September 19th, 2025 10:25 AM
Author: Texas School Book Suppository

These kind of posts remind me of how unambitious I am -- I would retire yesterday. No side gig nothing. Just fucking retire.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283703)



Reply Favorite

Date: September 19th, 2025 10:34 AM
Author: OYT: Dinosaur Hunter ( )

seriously. people who need some kind of shitty W2 job to feel "fulfilled" (lol) are the worst, they are the fucking boomer idiots sitting in management roles who won't retire because they are too stupid and uninteresting to do anything else.

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283724)



Reply Favorite

Date: September 19th, 2025 10:35 AM
Author: hideous genital piercing quadroon



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283728)



Reply Favorite

Date: September 19th, 2025 12:51 PM
Author: but at what cost



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284155)



Reply Favorite

Date: September 19th, 2025 11:13 AM
Author: \'\'\"\"\'\'\'\"

move to Kyrgyzstan and live like a demigod

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283834)



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,.


Why Kyrgyzstan

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284072)



Reply Favorite

Date: September 19th, 2025 12:31 PM
Author: AZNgirl Wearing 'Detain my Pussy' Sign outside ICE

they have the hottest men https://www.dreamstime.com/kyrgyz-man-bishkek-kyrgyzstan-portrait-kyrgyz-man-bishkek-kyrgyzstan-image192031974

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284093)



Reply Favorite

Date: September 19th, 2025 1:47 PM
Author: Paralegalstack (🧐)

i have a hat just like that i call it my Poasting Hat

(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49284340)



Reply Favorite

Date: September 19th, 2025 11:16 AM
Author: charismatic violent lowlife fan stage



(http://www.autoadmit.com/thread.php?thread_id=5777382&forum_id=2).#49283841)