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Laid off at 55 in Tech

OK, this one's a doozy. And my first autoadmit post. Lookin...
ruby vengeful jew
  09/18/25
run some numbers on renting out house and taking mortgage on...
Carnelian stag film
  09/18/25
also are you gay (important)
Carnelian stag film
  09/18/25
Because if you are this bro can offer you a way to make some...
rusted talented stain mother
  09/19/25
How would paying men for sex help me?
ruby vengeful jew
  09/19/25
Think bigger
Hairraiser territorial school cafeteria
  09/19/25
True, gotta spend money to make money.
ruby vengeful jew
  09/19/25
salesforce will hire you if ur that unhirable i know boom...
brass slippery hissy fit stage
  09/18/25
...
Buff nudist queen of the night chapel
  09/18/25
How are u set as far as azn pussy is concerned?
Aromatic crackhouse gaming laptop
  09/18/25
Involuntary celibate for approximately the last 15 years.
ruby vengeful jew
  09/18/25
Race?
Supple Bull Headed Party Of The First Part Milk
  09/18/25
White
ruby vengeful jew
  09/18/25
Flame exposed here
Domesticated Senate
  09/18/25
Debated going Indian here. Asian felt too easy.
ruby vengeful jew
  09/18/25
...
Domesticated Senate
  09/19/25
...
rusted talented stain mother
  09/19/25
just jumped the shark
180 hell
  09/19/25
u maed it
Clear Trailer Park
  09/19/25
Can you live off the side gig? Maybe focus on it and make m...
Yapping address
  09/18/25
Wtf is this? How did a 55 yr old nonlawyer find this site? W...
Sable stage
  09/18/25
My friend told me about it.
ruby vengeful jew
  09/18/25
He is gay, isn't he
rusted talented stain mother
  09/19/25
We met through the nude bodybuilding community
ruby vengeful jew
  09/19/25
You're bald
Lime private investor gaping
  09/18/25
...
Chrome razzle sanctuary
  09/18/25
just get the 70k in expenses down to like 50k and dont ever ...
vivacious crystalline resort dragon
  09/18/25
...
jet national security agency useless brakes
  09/19/25
State your console history
Supple Bull Headed Party Of The First Part Milk
  09/18/25
How is this situation a "doozy"? It seems pretty b...
Domesticated Senate
  09/18/25
...
jet national security agency useless brakes
  09/19/25
he sld at least switch to SPYD or SHCD and cop dat dividend
arousing lake athletic conference
  09/19/25
You need to get into an SMB. Think home services/car wash/st...
Flushed Stubborn Library Twinkling Uncleanness
  09/18/25
Target gov and gov contractor roles.
Naked Garnet Point
  09/18/25
...
outnumbered swashbuckling ratface
  09/18/25
...
Ruddy laser beams
  09/19/25
...
rusted talented stain mother
  09/19/25
Don't sell the house with the 2.5% mortgage. WTF.
rough-skinned startling place of business
  09/18/25
Yeah - assuming this is flame but the house is basically fre...
disgusting boistinker
  09/19/25
I paid off my home with a 3% mortgage and don't gaf what fin...
jet national security agency useless brakes
  09/19/25
how did you get a .edu email address and xo account at age 5...
magenta gunner
  09/18/25
...
Chrome razzle sanctuary
  09/18/25
?
ruby vengeful jew
  09/18/25
Good schools give you an edu for life
Ruddy laser beams
  09/19/25
...
Snowy racy meetinghouse striped hyena
  09/19/25
...
180 hell
  09/19/25
🎯 Your Big Question: What to Do With $400,000 in Cash? L...
Pungent Drab Potus
  09/18/25
do me next: i have $1million and im gay, tyia
180 hell
  09/19/25
That's exciting! With $1 million, you've got a lot of option...
Pungent Drab Potus
  09/19/25
LEARN TO CODE Oh wait....
Godawful dashing mad cow disease
  09/18/25
Just retire
jet national security agency useless brakes
  09/19/25
Try a national lab, they’re hiring and welcome older m...
Frozen sepia market keepsake machete
  09/19/25
Hey brother how you doing, I live in SF too. Let’s s...
lilac jet-lagged persian macaca
  09/19/25
Are you 100% Asian? Either way count me in. BTW you around...
Mind-boggling Embarrassed To The Bone Mental Disorder Plaza
  09/19/25
...
lilac jet-lagged persian macaca
  09/19/25
What's your throwaway?
Mind-boggling Embarrassed To The Bone Mental Disorder Plaza
  09/19/25
wtf wld u stay in SF, are u a fag and need SF ass? u hav...
arousing lake athletic conference
  09/19/25
s t e a m w o r k s
Carnelian stag film
  09/19/25
You aren't also factoring in ur SS payments which u can star...
arousing lake athletic conference
  09/19/25
you're too young to retire-- use your best contacts for a la...
Multi-colored arrogant prole
  09/19/25
ljl good goy
arousing lake athletic conference
  09/19/25
...
jet national security agency useless brakes
  09/19/25
my first autoadmit post tp
Clear Trailer Park
  09/19/25
...
ruby vengeful jew
  09/19/25
...
Chrome razzle sanctuary
  09/19/25
...
rusted talented stain mother
  09/19/25
...
Crusty vibrant dilemma
  09/19/25
just retire and do the TT lifestyle
Snowy racy meetinghouse striped hyena
  09/19/25
What are they saying on Reddit, which is where op stole this...
Excitant tattoo
  09/19/25
Not true he said it's his first autoadmit post. It's right t...
Clear Trailer Park
  09/19/25
...
Snowy racy meetinghouse striped hyena
  09/19/25
...
ruby vengeful jew
  09/19/25
...
Hairraiser territorial school cafeteria
  09/19/25
Redditors steal autoadmit content and repost it there.
idiotic cerebral dopamine
  09/19/25
...
big pale cuckold casino
  09/19/25
I’ve heard about this happening a lot
ruby vengeful jew
  09/19/25
...
Lime private investor gaping
  09/19/25
Cr. Never seen the reverse.
Hairraiser territorial school cafeteria
  09/19/25
These kind of posts remind me of how unambitious I am -- I w...
Laughsome theater stage
  09/19/25
seriously. people who need some kind of shitty W2 job to fee...
Hyperactive histrionic preventive strike church
  09/19/25
...
exciting coral lettuce selfie
  09/19/25
...
magenta gunner
  09/19/25
move to Kyrgyzstan and live like a demigod
Saffron hilarious corner
  09/19/25
Why Kyrgyzstan
rusted talented stain mother
  09/19/25
they have the hottest men https://www.dreamstime.com/kyrgyz-...
arousing lake athletic conference
  09/19/25
i have a hat just like that i call it my Poasting Hat
Clear Trailer Park
  09/19/25
...
gaped beady-eyed organic girlfriend
  09/19/25


Poast new message in this thread



Reply Favorite

Date: September 18th, 2025 7:54 PM
Author: ruby vengeful jew

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: Carnelian stag film

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: Carnelian stag film

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: rusted talented stain mother

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: ruby vengeful jew

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: Hairraiser territorial school cafeteria

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: ruby vengeful jew

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: brass slippery hissy fit stage

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: Buff nudist queen of the night chapel



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



Reply Favorite

Date: September 18th, 2025 8:42 PM
Author: Aromatic crackhouse gaming laptop

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: ruby vengeful jew

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: Supple Bull Headed Party Of The First Part Milk

Race?

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



Reply Favorite

Date: September 18th, 2025 9:54 PM
Author: ruby vengeful jew

White

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



Reply Favorite

Date: September 18th, 2025 9:55 PM
Author: Domesticated Senate

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: ruby vengeful jew

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: Domesticated Senate



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



Reply Favorite

Date: September 19th, 2025 12:52 PM
Author: rusted talented stain mother



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



Reply Favorite

Date: September 19th, 2025 10:38 AM
Author: 180 hell

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: Clear Trailer Park

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: Yapping address

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: Sable stage

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: ruby vengeful jew

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: rusted talented stain mother

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: ruby vengeful jew

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: Lime private investor gaping

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: Chrome razzle sanctuary



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



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: vivacious crystalline resort dragon

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: jet national security agency useless brakes



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



Reply Favorite

Date: September 18th, 2025 9:53 PM
Author: Supple Bull Headed Party Of The First Part Milk

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: Domesticated Senate

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: jet national security agency useless brakes



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



Reply Favorite

Date: September 19th, 2025 2:38 AM
Author: arousing lake athletic conference

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: Flushed Stubborn Library Twinkling Uncleanness

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: Naked Garnet Point

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: outnumbered swashbuckling ratface



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



Reply Favorite

Date: September 19th, 2025 12:42 AM
Author: Ruddy laser beams



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



Reply Favorite

Date: September 19th, 2025 12:25 PM
Author: rusted talented stain mother



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



Reply Favorite

Date: September 18th, 2025 10:20 PM
Author: rough-skinned startling place of business

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: disgusting boistinker

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: jet national security agency useless brakes

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: magenta gunner

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: Chrome razzle sanctuary



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



Reply Favorite

Date: September 18th, 2025 10:43 PM
Author: ruby vengeful jew

?

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



Reply Favorite

Date: September 19th, 2025 12:40 AM
Author: Ruddy laser beams

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: Snowy racy meetinghouse striped hyena



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



Reply Favorite

Date: September 19th, 2025 12:30 PM
Author: 180 hell



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



Reply Favorite

Date: September 18th, 2025 10:28 PM
Author: Pungent Drab Potus

🎯 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)



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Date: September 19th, 2025 10:49 AM
Author: 180 hell

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

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



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Date: September 19th, 2025 12:53 PM
Author: Pungent Drab Potus

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)



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Date: September 18th, 2025 10:34 PM
Author: Godawful dashing mad cow disease

LEARN TO CODE

Oh wait....

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



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Date: September 19th, 2025 12:26 AM
Author: jet national security agency useless brakes

Just retire

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



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Date: September 19th, 2025 12:34 AM
Author: Frozen sepia market keepsake machete

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)



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Date: September 19th, 2025 1:34 AM
Author: lilac jet-lagged persian macaca

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)



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Date: September 19th, 2025 2:07 AM
Author: Mind-boggling Embarrassed To The Bone Mental Disorder Plaza

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)



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Date: September 19th, 2025 2:33 AM
Author: lilac jet-lagged persian macaca



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



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Date: September 19th, 2025 8:59 AM
Author: Mind-boggling Embarrassed To The Bone Mental Disorder Plaza

What's your throwaway?

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



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Date: September 19th, 2025 2:36 AM
Author: arousing lake athletic conference

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)



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Date: September 19th, 2025 4:18 AM
Author: Carnelian stag film

s t e a m w o r k s

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



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Date: September 19th, 2025 2:40 AM
Author: arousing lake athletic conference

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)



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Date: September 19th, 2025 6:34 AM
Author: Multi-colored arrogant prole

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)



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Date: September 19th, 2025 8:13 AM
Author: arousing lake athletic conference

ljl good goy

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



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Date: September 19th, 2025 8:17 AM
Author: jet national security agency useless brakes



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



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Date: September 19th, 2025 8:45 AM
Author: Clear Trailer Park

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: ruby vengeful jew



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



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Date: September 19th, 2025 10:01 AM
Author: Chrome razzle sanctuary



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



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Date: September 19th, 2025 12:25 PM
Author: rusted talented stain mother



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



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Date: September 19th, 2025 1:09 PM
Author: Crusty vibrant dilemma



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



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Date: September 19th, 2025 8:53 AM
Author: Snowy racy meetinghouse striped hyena

just retire and do the TT lifestyle

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



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Date: September 19th, 2025 10:17 AM
Author: Excitant tattoo

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)



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Date: September 19th, 2025 10:22 AM
Author: Clear Trailer Park

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)



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Date: September 19th, 2025 10:25 AM
Author: Snowy racy meetinghouse striped hyena



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



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Date: September 19th, 2025 11:26 AM
Author: ruby vengeful jew



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



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Date: September 19th, 2025 1:49 PM
Author: Hairraiser territorial school cafeteria



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



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Date: September 19th, 2025 10:23 AM
Author: idiotic cerebral dopamine

Redditors steal autoadmit content and repost it there.

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



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Date: September 19th, 2025 10:26 AM
Author: big pale cuckold casino



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



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Date: September 19th, 2025 11:26 AM
Author: ruby vengeful jew

I’ve heard about this happening a lot

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



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Date: September 19th, 2025 1:41 PM
Author: Lime private investor gaping



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



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Date: September 19th, 2025 1:50 PM
Author: Hairraiser territorial school cafeteria

Cr. Never seen the reverse.

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



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Date: September 19th, 2025 10:25 AM
Author: Laughsome theater stage

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)



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Date: September 19th, 2025 10:34 AM
Author: Hyperactive histrionic preventive strike church

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)



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Date: September 19th, 2025 10:35 AM
Author: exciting coral lettuce selfie



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



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Date: September 19th, 2025 12:51 PM
Author: magenta gunner



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



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Date: September 19th, 2025 11:13 AM
Author: Saffron hilarious corner

move to Kyrgyzstan and live like a demigod

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



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Date: September 19th, 2025 12:25 PM
Author: rusted talented stain mother

Why Kyrgyzstan

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



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Date: September 19th, 2025 12:31 PM
Author: arousing lake athletic conference

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)



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Date: September 19th, 2025 1:47 PM
Author: Clear Trailer Park

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)



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Date: September 19th, 2025 11:16 AM
Author: gaped beady-eyed organic girlfriend



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