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Laid off at 55 in Tech

OK, this one's a doozy. And my first autoadmit post. Lookin...
Razzmatazz arrogant hospital
  09/18/25
run some numbers on renting out house and taking mortgage on...
Ultramarine aromatic native pocket flask
  09/18/25
also are you gay (important)
Ultramarine aromatic native pocket flask
  09/18/25
Because if you are this bro can offer you a way to make some...
motley hairy legs factory reset button
  09/19/25
How would paying men for sex help me?
Razzmatazz arrogant hospital
  09/19/25
Think bigger
Black area
  09/19/25
True, gotta spend money to make money.
Razzmatazz arrogant hospital
  09/19/25
salesforce will hire you if ur that unhirable i know boom...
Burgundy senate candlestick maker
  09/18/25
...
Dull violent principal's office police squad
  09/18/25
How are u set as far as azn pussy is concerned?
obsidian legend
  09/18/25
Involuntary celibate for approximately the last 15 years.
Razzmatazz arrogant hospital
  09/18/25
Race?
exciting magical headpube meetinghouse
  09/18/25
White
Razzmatazz arrogant hospital
  09/18/25
Flame exposed here
Racy pistol locale
  09/18/25
Debated going Indian here. Asian felt too easy.
Razzmatazz arrogant hospital
  09/18/25
...
Racy pistol locale
  09/19/25
...
motley hairy legs factory reset button
  09/19/25
just jumped the shark
bipolar spruce church building ratface
  09/19/25
u maed it
Sienna legal warrant antidepressant drug
  09/19/25
Can you live off the side gig? Maybe focus on it and make m...
Titillating Station
  09/18/25
Wtf is this? How did a 55 yr old nonlawyer find this site? W...
electric translucent prole
  09/18/25
My friend told me about it.
Razzmatazz arrogant hospital
  09/18/25
He is gay, isn't he
motley hairy legs factory reset button
  09/19/25
We met through the nude bodybuilding community
Razzmatazz arrogant hospital
  09/19/25
You're bald
Chocolate cerebral masturbator jew
  09/18/25
...
thriller garrison coldplay fan
  09/18/25
just get the 70k in expenses down to like 50k and dont ever ...
silver persian
  09/18/25
...
Razzle-dazzle fantasy-prone heaven
  09/19/25
State your console history
exciting magical headpube meetinghouse
  09/18/25
How is this situation a "doozy"? It seems pretty b...
Racy pistol locale
  09/18/25
...
Razzle-dazzle fantasy-prone heaven
  09/19/25
he sld at least switch to SPYD or SHCD and cop dat dividend
crawly boyish forum
  09/19/25
You need to get into an SMB. Think home services/car wash/st...
cream skinny woman home
  09/18/25
Target gov and gov contractor roles.
Marvelous Turquoise Really Tough Guy Doctorate
  09/18/25
...
red sadistic jap
  09/18/25
...
lascivious institution striped hyena
  09/19/25
...
motley hairy legs factory reset button
  09/19/25
Don't sell the house with the 2.5% mortgage. WTF.
Appetizing Misunderstood Dingle Berry
  09/18/25
Yeah - assuming this is flame but the house is basically fre...
sapphire market
  09/19/25
I paid off my home with a 3% mortgage and don't gaf what fin...
Razzle-dazzle fantasy-prone heaven
  09/19/25
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crimson messiness
  09/18/25
...
thriller garrison coldplay fan
  09/18/25
?
Razzmatazz arrogant hospital
  09/18/25
Good schools give you an edu for life
lascivious institution striped hyena
  09/19/25
...
Stimulating mustard bawdyhouse
  09/19/25
...
bipolar spruce church building ratface
  09/19/25
🎯 Your Big Question: What to Do With $400,000 in Cash? L...
galvanic address
  09/18/25
do me next: i have $1million and im gay, tyia
bipolar spruce church building ratface
  09/19/25
That's exciting! With $1 million, you've got a lot of option...
galvanic address
  09/19/25
LEARN TO CODE Oh wait....
Iridescent Mediation Crackhouse
  09/18/25
Just retire
Razzle-dazzle fantasy-prone heaven
  09/19/25
Try a national lab, they’re hiring and welcome older m...
bistre bateful orchestra pit
  09/19/25
Hey brother how you doing, I live in SF too. Let’s s...
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  09/19/25
Are you 100% Asian? Either way count me in. BTW you around...
Lemon Community Account
  09/19/25
...
cracking box office bbw
  09/19/25
What's your throwaway?
Lemon Community Account
  09/19/25
wtf wld u stay in SF, are u a fag and need SF ass? u hav...
crawly boyish forum
  09/19/25
s t e a m w o r k s
Ultramarine aromatic native pocket flask
  09/19/25
You aren't also factoring in ur SS payments which u can star...
crawly boyish forum
  09/19/25
you're too young to retire-- use your best contacts for a la...
Disgusting adventurous jewess dysfunction
  09/19/25
ljl good goy
crawly boyish forum
  09/19/25
...
Razzle-dazzle fantasy-prone heaven
  09/19/25
my first autoadmit post tp
Sienna legal warrant antidepressant drug
  09/19/25
...
Razzmatazz arrogant hospital
  09/19/25
...
thriller garrison coldplay fan
  09/19/25
...
motley hairy legs factory reset button
  09/19/25
...
yellow toaster
  09/19/25
just retire and do the TT lifestyle
Stimulating mustard bawdyhouse
  09/19/25
What are they saying on Reddit, which is where op stole this...
Histrionic whorehouse
  09/19/25
Not true he said it's his first autoadmit post. It's right t...
Sienna legal warrant antidepressant drug
  09/19/25
...
Stimulating mustard bawdyhouse
  09/19/25
...
Razzmatazz arrogant hospital
  09/19/25
...
Black area
  09/19/25
Redditors steal autoadmit content and repost it there.
azure idiotic national gaping
  09/19/25
...
zombie-like nursing home
  09/19/25
I’ve heard about this happening a lot
Razzmatazz arrogant hospital
  09/19/25
...
Chocolate cerebral masturbator jew
  09/19/25
Cr. Never seen the reverse.
Black area
  09/19/25
These kind of posts remind me of how unambitious I am -- I w...
Green Heady Sanctuary Dopamine
  09/19/25
seriously. people who need some kind of shitty W2 job to fee...
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  09/19/25
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crimson messiness
  09/19/25
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  09/19/25
Why Kyrgyzstan
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  09/19/25
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crawly boyish forum
  09/19/25
i have a hat just like that i call it my Poasting Hat
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Poast new message in this thread



Reply Favorite

Date: September 18th, 2025 7:54 PM
Author: Razzmatazz arrogant hospital

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: Ultramarine aromatic native pocket flask

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: Ultramarine aromatic native pocket flask

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: motley hairy legs factory reset button

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: Razzmatazz arrogant hospital

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: Black area

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: Razzmatazz arrogant hospital

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: Burgundy senate candlestick maker

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: Dull violent principal's office police squad



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



Reply Favorite

Date: September 18th, 2025 8:42 PM
Author: obsidian legend

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: Razzmatazz arrogant hospital

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: exciting magical headpube meetinghouse

Race?

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



Reply Favorite

Date: September 18th, 2025 9:54 PM
Author: Razzmatazz arrogant hospital

White

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



Reply Favorite

Date: September 18th, 2025 9:55 PM
Author: Racy pistol locale

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: Razzmatazz arrogant hospital

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: Racy pistol locale



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



Reply Favorite

Date: September 19th, 2025 12:52 PM
Author: motley hairy legs factory reset button



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



Reply Favorite

Date: September 19th, 2025 10:38 AM
Author: bipolar spruce church building ratface

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: Sienna legal warrant antidepressant drug

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: Titillating Station

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: electric translucent prole

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: Razzmatazz arrogant hospital

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: motley hairy legs factory reset button

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: Razzmatazz arrogant hospital

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: Chocolate cerebral masturbator jew

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: thriller garrison coldplay fan



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



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: silver persian

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: Razzle-dazzle fantasy-prone heaven



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



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: exciting magical headpube meetinghouse

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: Racy pistol locale

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: Razzle-dazzle fantasy-prone heaven



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



Reply Favorite

Date: September 19th, 2025 2:38 AM
Author: crawly boyish forum

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: cream skinny woman home

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: Marvelous Turquoise Really Tough Guy Doctorate

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: red sadistic jap



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



Reply Favorite

Date: September 19th, 2025 12:42 AM
Author: lascivious institution striped hyena



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



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: motley hairy legs factory reset button



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



Reply Favorite

Date: September 18th, 2025 10:20 PM
Author: Appetizing Misunderstood Dingle Berry

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: sapphire market

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: Razzle-dazzle fantasy-prone heaven

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: crimson messiness

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: thriller garrison coldplay fan



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



Reply Favorite

Date: September 18th, 2025 10:43 PM
Author: Razzmatazz arrogant hospital

?

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



Reply Favorite

Date: September 19th, 2025 12:40 AM
Author: lascivious institution striped hyena

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: Stimulating mustard bawdyhouse



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



Reply Favorite

Date: September 19th, 2025 12:30 PM
Author: bipolar spruce church building ratface



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



Reply Favorite

Date: September 18th, 2025 10:28 PM
Author: galvanic address

🎯 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: bipolar spruce church building ratface

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: galvanic address

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: Iridescent Mediation Crackhouse

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: Razzle-dazzle fantasy-prone heaven

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: bistre bateful orchestra pit

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: cracking box office bbw

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: Lemon Community Account

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: cracking box office bbw



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



Reply Favorite

Date: September 19th, 2025 8:59 AM
Author: Lemon Community Account

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: crawly boyish forum

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: Ultramarine aromatic native pocket flask

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: crawly boyish forum

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: Disgusting adventurous jewess dysfunction

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: crawly boyish forum

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: Razzle-dazzle fantasy-prone heaven



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



Reply Favorite

Date: September 19th, 2025 8:45 AM
Author: Sienna legal warrant antidepressant drug

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: Razzmatazz arrogant hospital



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



Reply Favorite

Date: September 19th, 2025 10:01 AM
Author: thriller garrison coldplay fan



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



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: motley hairy legs factory reset button



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



Reply Favorite

Date: September 19th, 2025 1:09 PM
Author: yellow toaster



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



Reply Favorite

Date: September 19th, 2025 8:53 AM
Author: Stimulating mustard bawdyhouse

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: Histrionic whorehouse

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: Sienna legal warrant antidepressant drug

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: Stimulating mustard bawdyhouse



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



Reply Favorite

Date: September 19th, 2025 11:26 AM
Author: Razzmatazz arrogant hospital



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



Reply Favorite

Date: September 19th, 2025 1:49 PM
Author: Black area



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



Reply Favorite

Date: September 19th, 2025 10:23 AM
Author: azure idiotic national gaping

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: zombie-like nursing home



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



Reply Favorite

Date: September 19th, 2025 11:26 AM
Author: Razzmatazz arrogant hospital

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: Chocolate cerebral masturbator jew



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



Reply Favorite

Date: September 19th, 2025 1:50 PM
Author: Black area

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: Green Heady Sanctuary Dopamine

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: Trip lodge pozpig

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: Shivering excitant piazza sound barrier



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



Reply Favorite

Date: September 19th, 2025 12:51 PM
Author: crimson messiness



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



Reply Favorite

Date: September 19th, 2025 11:13 AM
Author: frum trailer park immigrant

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: motley hairy legs factory reset button

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: crawly boyish forum

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: Sienna legal warrant antidepressant drug

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: Pontificating swashbuckling ceo hissy fit



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