im sitting on 250k in cash. i need financial advice on what to do with it
Wait 6 months. Buy BTC for 60k
>>61132372Buy a cheap house. Live and die there.
>>61132415So just keep it all in cash for now? Everyone's calling me retarded for this since inflation is skyrocketing
>>61132372Donate it to help African children get life saving transgender care
>>61132427Yes. You are late to the party.Retail is going crazy with gold this week. This is the final part of the run
>>61132415Going to do the same thing with $150k in cash but going all in at Hedera at sub 5 cents.
>>61132372Buy a business from a boomer
>>61132372idk desu. inflation is high but even though everything other than crypto is ripping it feels like its one step away from cratering, USA's policies can change on a whim and I feel with if one of the choices is bad enough it might lead to a domino effect. then again you have FED printing money and all that money has to go somewhere. the FUD is insanely high
>>61132372>Open a schwab account>put money in Schwab account>put 100% of money in SWVXX>get 4.25% annual return>Make $10700 in a year>If market tanks, sell SWVXX and buy30% VOO30% SCHD10% DX15% DRIV15% URA>Prosper
>>61132372I have half of that sitting around waiting for BTC to get cheap enough. For me that's $92k.In the meantime it's earning me $10/day as USDC
>>61132533When to buy BTC specifically? Guessing not for a while?
>>61132372 bank that shit. gay ass rocks are too risky at current price, stock market looking like the bad times have begun. crypto the "decentralized currency" is following the stock market ust to point out how much morones bought in to the belief that making a new currcu cant be fucked with like paper ... fdic is an insurance on your money . we are in for bad times.
>>61132372Uncle Ruckus whitening formula
>>61132372Put a deposit in for a houseRest keep until Q4 next year before you go back in. Even if inflation is 5%, so what dude you lose 5%, imagine your Link or Btc went down 5% in a couple of days, but in 1 year.Relax and touch grass for now, you're doing good.
>>61132372100k silver50k gold100k guns
>>61133028Bro, I'm dumb as fuck and even I wouldn't fall for this. Who do you think could fall for this?
RSR
>>61133079The worse advice ever typed is now considered "apha?. Why would someone with 250k need to take such a grand risk? How could you conceive that someone would mindfuck themselves with your play compared to something normal like buying a major stock or btc after a crash etc? All I need is a 4x to hit 1M. I can likely get that if I keep in cash waiting for some crash of a major asset and then chilling a couple year or so
>>61132415Study the 4 year cycle. Watch Bob Loukas videos. You will get a good entry soon
>>61132427I want you to understand if you've got more than 100k you don't need to worry about the 'flation, inflation is bad for wagecucks who are broke.If you're really sore then put it into a high APY savings account like NWFCU for 5% under 25k, put it on Coinbase into USDC for 5% APY or put it into an MMF like Fidelity for 3.75% APY.
>>61133495cash is fine. staking stablecoins is still risky because if the coin gets fucked like LUNA your investment goes to zero
>>61132800October 5th, 2026 it will reach ATL. You will be safe to continue buying it for another 3 months after the ATL before the lift off. Coinerz and Gold/silver fags will be blown the fuck out soon. Cash fags will be #1. Remember, when everyone needs to sell their gold to eat, you will scoop up super cheap investments soon. SIT ON YOUR CASHHHH. Also, buy an airplane and escape to Hollow earth through the north pole. If anyone wants a ride I am leaving next summer June 15th drop email if interested. My price is 2 BTC (cus im making multiple trips back and forth before reptilians take control of the planet with digital neetbux). Im gonna try and do 50 trips. And get more planes as people pay in btc. Need to evacuate as many people as possible before the reptilians come out. -Illuminati fag
>>61133028>can't go lowerYou know that it can quite literally go down another 98% right?
>>61133539you must be new
wait nevermind i read that wrong
>>61132372dollar cost average into index funds. the market is hot right now so I wouldn't put everything in at once.
>>61132372you are literally me
>>61133530Ok will put a calendar reminder for Oct 5th and break up my total into 12 DCAs to buy every week. If it's still low might even just dca out my VTI from my 401k to buy more with an self directed IRA. Seems fairly safe enough if not touching leverage nor taking any loans.>>61133580thoughts on the above? index funds mathematically just barely keep up with inflation from my understanding. I only have this much because I got lucky stacking 3 remote jobs at once but now that ship has sailed.
>>61132372Bonds until the crash happens then buy cheapies. That's how geneeational wealth is created.
>>61132372
>>61133593>index funds mathematically just barely keep up with inflationThat's not correct. Index goes up by roughly 7%, and you don't really beat that given enough time. If we have rampant inflation then money gets devalued and stocks go up even further.Any risk taking trying to beat index is just glorified gambling.
>>61133629250k today will take 20 years to hit 1M and that's not even factoring that 1M today will be like 250k in 20 years. It seems just retarded to put money in there unless you have enough to retire currently or plan to stack more at the same amount consistently for 20 years.
>>61132415>Wait 6 months. Buy BTC for 60kThis is so retarded. 6 months from now he'll lose out. The big brain play is to wait a year and buy BTC for $15k.
>>61132372Put it all on red
>>61133709I genuinely almost bought last time at 15k but held out because everyone was saying it would hit support at 10k. If I bought I'd be retired right now. Fuck it. I'm just gonna dca this time across 3 months.
>>61132372every day you wait the more physical silver is being stacked by everyone around you. Including the banks that are trying to fuck you anyway they can.
>>61133673Going from 250k to 1M is a 4x. If you consider 250k to be peanuts then you should focus on earning more money, not gambling like a retard.
>>61133925it's a 4x if done in a short span of time. It's a 1.1x if it takes 20 years to 4x considering purchasing power.
>>61133937that's not how any of this works, how old are you?
>>61132372Silver.Quick double up by next year.
>>6113394329. I just rather not wageslave by 50+
>>61132372If this doesn't convince you to buy physical silver and gold now, then just buy a nice piece of land with your fiat and hope the taxman doesn't take it away from you. >>61132230
>>61133452You are genuinely fucking retarded.
>>61133978If you believe that you need to wage slave for 50+ years if you invest in index funds says that you either 1. lack marketable skills or 2. have no idea how economy works.
>>61133987yeah you're probably right
>>61134000Not 50 years but 20 years. I have marketable skills but not optimistic they'll be around in 20 years considering AI. Do you really think holding cash and waiting for btc to crash as a horrible idea compare to stacking index funds? I have 100k in VTI from my 401k that I dont even count fyi>>61133987your the one who started this thread begging for money. >>61132929 >>61132959
>>61132372Coinbase pays 4.1% for USDC which is now a regulated asset and Coinbase is a regulated asset. Long cash; credit contraction is upon us. Look at SOFR for more details.
>>61132427Inflation is not skyrocketing, assets are. Next stage will be asset contraction as people around the world need USD to service their debt. The inflation narrative is overplayed; we’ve had currency contraction for years now. The time to take the inflation trade was 4-5 years ago. Now is the time to cash out and wait.
>>61132372are you black? if so sorry for your loss otherwise this bro knows: >>61132415
>>61134047So, stay in cash for the next 6-12 months, the buy as much btc as possible?That or my other option is to stack index funds like a boomer >>61133580but in all honesty I feel I can pull off the btc plan
>>61134080>but in all honesty I feel I can pull off the btc planyou can't cause you're retarded. the sooner you accept it the better it will be for you financially. just DCA into an index fund and spare yourself the suicide in case your shit craters 80%
>>61134048yes, I'm the lead singer of Death Grips>>61134098>suicideI wouldn't start buying until it's down at min 50%, which then I'll dca for a few months. If it goes down beyond 80% I will just keep dca-ing with every paycheck for a decade. I will make it in a decade guaranteed or sure, end it all exactly 10 years after the first dca purchase in Oct 2036. Seems even a retard like me can pull it off. I will be this webm for 10 years. Won't check price. DCA blindly.
>>61134080If Gold is a good trad woman who loves you and makes a family with you so that you have an objectively good life, Bitcoin is the whore you smoked meth with and fucked for hours on a random Friday night. Sure that Friday was fun, but will it last? Are you going to marry a methhead whore anon? And if so, do you think that you are going to make a life with her? And if so, do you think that life will be objectively good? Or will you end up divorce raped with multiple stds?
>>61132517you suck dicks with aids
>>61134164>marriage>extreme amount of risk to financial, mental, and emotional wellbeing with virtually no upsideNot really selling me on gold desu
>>61133452Attacking a spelling mistake is the weakest form of argument. You have to be a jeet. Post your hand.
Open a Fidelity account and you can talk to one of their financial advisors for. I did this and it was nice to hear my options or what might be my best move. Putting it into a Fideality SPAXX account would probably need you around 1000 dollars a month.
>>61132372buy bitcoin
>>61132372Go all in on uranium and chainlink
>>61133495You sure m8? I’m trying to safeguard family. Plans been investimg anything over 100k in hysa into pms and Stinkies/eth (haven’t bought btc since January but only 0.14 total) . Wanna be more aggressive but don’t wanna blow a down payment. And I’m hoping my bag of stinks (2k) can get me land and offgridncomfy status
>>61132372Swiss bonds denominated in Swiss francs. We are entering risk off mode.
>>61132372Wait for the stock market crash, then buy tech stocks. Hold your cash.
>>61135690tech stocks over bitcoin? If so which stocks, just the bluechip ones like msft, nvidia, apple?
>>61132372Blow half of it on a truck
>>61135696Yes tech stocks, for my 2 picks to buy are Nvidia and Tesla, depending on how big of a stock market crash. Mainly the top 10 tech companies by market cap would be the ones I would be looking at.They aren't gonna go anywhere, and you don't have to worry about your stocks getting stolen like bitcoin, as long as you're not logging in your bank account on suspect internet connection.
>>61132372For now, stick most of it in 90-day Treasury bills. Buy another bull on the first of the month for two months so one is always coming due. Your first responsibility is to preserve your principal.Take perhaps 20% of it and open an investment account with an online broker. I recommend Charles Schwab; their portal is very user friendly and they have great customer service if you need it. Start by investing maybe 20% of *that* in a mutual fund or ETF. I recommend AIRR; it invests in mid-sized firms that stand to benefit from the trend toward reshoring, and I have done very well by it. Buy a little bit more each month.Then, when the world looks a little more stable and the market is less frothy, go shopping. Keep an eye on Oracle -- they are practically printing money at this point, but I couldn't recommend a stock with a P/E of 70+ to a market newcomer. Wait until their earnings catch up with expectations. Do NOT under any circumstances dabble in day trading. There lies grief and madness.Good luck.
>>61135792Seems like there's more upside with btc though
>>61135872Bitcoin is a virtual fiat currency. It's backed by nothing. It's weaponized insanity.
>>61135604How do I invest in uranium?
>>61132415More like 12 months
>>61132415this but 12 months
>>61132372I'd recommend buying gold, silver, and land.
Get a financial advisor, first off. Then prolly DCA into index funds. If you don't really know what you're doing, anything else is straight-up gambling.
>>61132372Reminder to not follow anyone's advice on this board. They are literally trying to misguide you so they can use you as exit liquidity and steal your money.
>>61132427>Everyone's calling me retardedThat's how you know you are doing the right thing
>>61132372For starters go buy some bonds.Then start thinking in terms of capital allocation betweenReadily available cashBondsStocks (etfs or funds for starters)Real estatePrecious metalsInvest your wealth accordingly.After a happening happens and the bottom is in, liquidate your overvalued assets in order to buy the undervalued ones.Rinse and repeat.
>>61135604> chainlink
