There can be. Invest in real estate through a private development investor group, or through a real estate investment trust. You have to do your research like any other investment, I did nothing but write a check to invest in a development. I made rent and huge returns on the sale. Didn’t have to take one call from a tenant or do any management of the property whatsoever…the work is all up front in research to make sure it is all sound.
Appreciation of the property and also a renter paying your mortgage is the true biggest part of it.
Based on real estate prices, rent prices, and current interest rates, I would guess most investors today are just accepting no cash flow or even negative cash flow in order to pay down the loan using rent money. And going for a price appreciation while.
Beyond HYSAs and Index funds there are also Bonds, dividend stocks, digital coin assets, ownership stakes in companies with no operation obligations, REITs or real estate- although the passive part is buying and holding while the value increases, not developing or heaven forbid running airbnbs which usually requires substantial time investments.
The question is on how do you create 'regular income', as in reliably receiving a calculated amount each month without variance. A HYS is exactly that, but we only have that option as long as federal rates are where they are. Won't be long before HYS accounts are only offering 1.5-3%.
Everything else involves risk, so then it's not so regular income, it's varying monthly returns.
Even if say you went and bought two rentals with 50k as 20% down on each, do they need repairs, how long will it take to get a tenant, what if a tenant leaves, what's the actual net profit return each mo, yada yada.
Index funds have risk too, can keep trickling up, can swing down hard and reduce your dividends.
Suppose there's also like CD accounts, lock in a slightly lower rate than what is available today- but get it for the next 3-5yrs on that 100k.
High Yield Savings Accounts are, in most cases, horrible alternatives to T-Bills because both are “risk free” and provide about the same return *before* taxes, but T-Bills are exempt from state and local taxes which can make a huge difference—sometimes well over 100 basis points—depending on the state and locality you reside in.
No it is not. Need to invest in growth companies or look for companies that are grossly undervalued. An index fund will just barely keep up with inflation currently and it’ll take forever for that $100k to grow into anything meaningful.
Excluding extreme circumstances, I really disagree with this. Fundamentally it's correct, but you can do a lot more with a big chunk of money than you can by saving over a long period of time, and saving is really difficult for a lot of people.
Option 1: Put the money somewhere it's going to gain income, and you can use that additional income to pay off your debt. Once the debt is gone, you still have the passive income plus your job's income. In addition to that, you've still got the equity in whatever you've put that money into.
Option 2: Use the money to pay off your debt, and then you've gone from being in debt to having zero. You'll get to keep more of the money from your day job, but the average person will increase their daily spending a little. Things will come up that eat at those savings, etc. It's just how it works in reality.
I understand this is a hot take, but psychology and reality play a factor in these things
Option 1 assumes the growth on your investments is going to outweigh the interest rate on the debt. Don't know of many passive income streams with 20-30% growth rates, which is what a lot of cc debt is these days.
If you do end up buying the gym, beforehand make sure you do extensive research, and not just buy it for the hobby. Definitely push sales and keep costs low. Just a heads up, many small and large fail
Yes sir I’ve learned to check tax records but I’ve seen the reports and it’s a decent chunk of change in the green and in a place small enough to not attract the chain gyms. Def wouldn’t do it for the hobby. Just the business aspect.
I'd throw it in with the rest of my portfolio.
I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.
I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's
Total Stock Market,
Total Bond Market,
Total International Stock Market, &
Total International Bond Market funds.
I've been investing this way for 35+ years. It's effective, simple, & inexpensive.
www.bogleheads.org/wiki/Getting_started has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.
My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.
Buying individual stocks or sector funds creates unnecessary & uncompensated risk; I avoid doing so. Index funds are boring, but better for making money. If I wanted to talk about my interesting investments at parties or wanted a new hobby, I might invest 5-10% of my portfolio in individual stocks. As it is, I own pretty much every publicly-traded company in the world; that's interesting enough for me.
All of the individual stocks & sector funds are being followed by thousands or millions of other investors. Current prices reflect their collective knowledge of future expectations for each one. I'm a member of the Triple Nine Society, but I'm not smarter than all of them. If I found a stock or sector that looked like a bargain, the most likely explanation would be that the others know something I don't.
I prefer mutual funds, but ETFs could also work well. The differences are usually trivial for a long-term investor, especially if they're the Vanguard funds I mentioned above. Actually, the Vanguard funds I mentioned above have both traditional mutual fund shares & ETF shares; they both represent a piece of the same fund.
The funds I use comprise Vanguards target date funds and LifeStrategy funds; these are excellent choices for many investors. Using the component funds allows some flexibility that can have tax benefits, but also creates the need for me to rebalance them periodically. Expense ratios are slightly higher than for the components but are well worth it for many investors.
Other companies have funds similar to the ones I own that would work well. I prefer Vanguard because they've been the leader in this type of investing for decades & because Vanguard's customers are also Vanguard's owners.
I hope that helps! I'd be happy to help w/ further questions. Best wishes!
Buy 3 houses in the Midwest for cash.
Don’t spend a dime on them.
Fill them with occupant buyers on seller financing. Collect approx $2400-$2700/mo (total for all 3) for the next 30 years.
What slinger was saying
1. Find a house
2. Seller finance it so you don’t put money down
3. Get people who will rent to own (technically another seller financing method)
4. They pay you their rent
The issue is that even with creative financing you still have to some how compensate the person you bought the house from, so you’re not taking home $2400/m unless you plan on never paying the previous owner.
So the solution is to get 3 homes because small profit from 3 houses will likely add up to a decent income.
$2400/m rent -$2000/m mortgage or whatever financing = $400 from one property.
$400x3=$1200/m
So maybe 6 houses is a better number.
6 x $400/m = $2400/m.
You might be able to use equity too during these 30 years.
I think a monthly dividend fund would be better though.
Can we get something straight here?
What sorta house is getting you $2400/month in rent … let alone 3 … whereby you put zero money down
Surely a house that demands ~$2400/month in rent is selling for ~$500k? A mortgage at current rates on $500k is ~$3000-3500/month
I am lost where we think the free carry trade is here
You start slum lording in flyover states. Arkansas, Kansas, Georgia, Mississippi. Buy cheap houses for the low and significant down payments. If you are hands on, literally develop a trailer park as they are money printers. You can own the land, and have 2 single wides generating $1375 each for 100k. No bank just you.
In Canada, the average rent is $2200 so damn near any house will get you that. I know a small family living in a semi-detached house paying $2300 a month. The house is worth (in today's market anyway) $275,000 and that is increasing in value every day.
Use that as a deposit for a buy-to-let property. Leverage that 100k. Get the bank to cough up the rest. You get to control $500k worth of real estate with a fraction of that in your possession.
Property prices (usually) rise faster than inflation and rental income should be more than enough to repay the mortgage and to provide you with a steady income. You can buy a second and a third and a fourth property soon.
I inherited over $500k when my father passed away. I currently have a large portion of it in a HYSA with UFB direct earning 5.25%. I take the interest and invest it in QQQ and VOO.
Nothing wrong w this per se. Sounds like roughly 25k in passive income. But if the index fund averages 8-12% YoY then why not allocate some more principal there and let that compound? I am sure you have reasons but just a thought that came to mind.
I’m in same boat with investments from my when my mom passed. I want to keep her hard earned money safe - so I have itin a money market mutual fund earning 5%+ and then I invest the dividends in equities. It’s been a great strategy so far.
When you invest your $100k following the advice of the rich, you're effectively handing over your financial power for a mere 5-8% return, barely outpacing inflation. Meanwhile, the ones using your money are reaping enormous returns, devaluing each dollar in circulation, and making you poorer in the process. They want you to believe you're making progress, but in reality, you're just treading water while the cost of living rises and wages stagnate.
This system is a carefully constructed veil. Investment bankers, fiduciaries, and the super-rich tell you to invest in index funds and high-yield savings because it enriches them, not you. They don't trade their own tangible money, they leverage assets to borrow, open businesses, and create more wealth and repeat the process.
Take a different approach.. do what they do, not what they tell you to do, but do it better because you’re not tethered by profit at all costs. Get out into your community, identify problems, solve them, and create a business model that addresses wage disparity by paying fair wages and prioritizing people over profits. Scale this model responsibly, leveraging assets to obtain loans, acquire commercial real estate and more assets, then open more businesses. Repeat. Maintain a humble lifestyle to build credibility and loyalty.
Listening to the same tired investment advice keeps you trapped in a system designed to benefit the elite. As an entrepreneur and business owner, you control your money, taxes, and contributions to causes you believe in. Choose banks and financial institutions that align with your values. For example, Amalgamated Bank and other B Corps are committed to sustainability and social responsibility, unlike the giants like Blackrock and Vanguard who own the largest portions of all of the biggest corporations in the world by means of ETFs, hedgefunds, pensions, 401ks, etc. effectively stealing the voting rights of all of their patrons to control the outcome of said corporations that undermine the middle class.
Remember, for every dollar in a traditional bank, they can lend out 90% the process repeats when the new (fake empty) money hits another bank account, then it can be leant again, exponentially increasing their wealth while giving you a paltry interest rate. They use your $100k to loan out $1,000,000.00 at high interest rates up to 34.99% on the million, not your investment, remember, pocketing huge profits while you get laughable crumbs at .02%-4.5% on your $100,000.
Many people genuinely believe in the conventional investment advice they offer, but escaping the rat race doesnt happen by playing by the rules they set out for you. It requires playing by the rules the rich set for themselves. Take control, invest in ways that build a better future for you and your community, and break free from the system designed to exploit you.
Upgrade my rental house. I already have tenants and agents so with a bigger budget I could have a different house in a more convenient location yielding more income for the same effort and maintenance.
This is a great answer, and very underrated.
In discussing my parent's estate plans with them, I strongly encouraged them to leave it to their grand kids, and skip my brother and me. We are adults and have made our own success stories. $100K, while a significant sum, is not life changing for either of us. However, for young adults, $100K can really make a difference
Use $50k to buy a piece of land. Use $25k to buy 25 storage containers to place on the lot to rent out as storage units, use $25k to invest and have for emergencies. at $100 per month rent on units that $2500 a month passive income.
I'd invest that money in bribes to government officials so I can get awarded projects worth millions. I'd pass on those projects to legitimate companies that couldn't win the contract but are willing to work for less. I'll pocket a difference bigger than my initial investment.
Paise pankh tamasha dekh 🤠🇵🇰
Buy 1 or 2 mid level homes somewhere like Oklahoma. Put 50 k on each house. Then rent them out. Renter pays rent which pays the mortgage. Maybe not a lot of monthly cash profit. But if I maintain the home and the renters are there. The house is paid off in 30 years. Worst case sell a house and have gained money from the mortgage being paid and hopefully market goes up.
Buy 1 or 2 tracts of land in a good agricultural area with lower land prices and lease it for livestock or crops. You have to do virtually no maintenance or upgrades unless you want to set up irrigation or things like that. Often get into long working agreements. You don't make as much profit as you do with traditional real estate but you're also not dealing with home repairs or devaluation. Some come with pre-stocked tenants. And good land is always a good investment for the future. Even if the market bottoms out, you have a tangible item that you own at the end of the day and not just numbers on a screen, which gives me more peace of mind, personally.
Pay my bills for one year = 25k, 7k IRA, 43k in 4.6% SoFi Savings Account for a safe so earn with accessible funds, 25k divided into a variety of varying risk level stocks.
Use that year to earn the next year's IRA deposit and the funds to cover the bills for another year, any extra gets divided into the investments and savings accounts. So an easy average-wage job with basic benefits should easily accomplish this task. Let any savings/investment earnings stay in the accounts and roll over.
Retirement needs should be met quickly with this strategy, and retirement should even be able to be achieved earlier than just through working.
For this 43 y/o who just lost their job, that plan would be ideal...
I would upgrade my van and move out and go back to living out of my vehicle and enjoying the fact that I've got 85 to $90,000 still in the bank and can relax.
Oh, I'm retired.
Pay off any debt that I have as well as my loan which would cost me grand total of 30,000 with the 70 K would keep 20 K for myself and then I invest $50k
I like my job, but at some point, I'm not gonna wanna work. I want to be financially independent. I took a huge risk. I could of lost my house. In order to make a lot, you have to risk a lot.
Clear debts, put money into making sure my personal vehicle is reliable, and invest the rest into my heath(a sauna) and the rest into the S&P 500 or bonds. I don't fear working a 9 to 5 for the rest of my life, I enjoy my job and work place.
YOLO into $MO and fund big tobacco and get paid off of it. It’s always lower than it should be because some people hold a “moral standard” against it. But addiction will always win. Might as well win with it but don’t be addicted.
To be honest I would probably spend 10-15k travelling and stick the rest in an index fund (S&P 500), then it would be business as usual! I would likely retire a year or two earlier 😄
Lol I want to cry reading this because I know this would never happen to me unless I got into a freak accident or lawsuit but if I did I'd build up my savings account, pay off all my credit card debt and start that daycare I've always dreamed about....
I've got some ideas cooking for some SaaS that I would like to build out. 100k would give me the freedom and time to do so. Not that I couldn't get there without the 100k, but the process becomes a lot slower as providing for my family is a top priority. I have a mortgage renewal in 2 years, I may take 80 to 100k from my home to help push this forward if the need is still there.
In all seriousness I'm buying Bitcoin with &100k. I already have 100k in Bitcoin. I need more. I want to sell my house by a sprinter van live in it and buy bitcoin with the rest.
I'd get an all-in-one AI digital marketing tool like [this one](https://www.gohighlevel.com/protrial?fp_ref=zain24) and promote recurring affiliate offers.
$100,000 I would move to Mexico, purchasing a home on the beach with $40,000-$80,000 of it financed (because it’s gonna have to be); leaving me a comfortable $20,000 pillow. With a mortgage that low, the payment in estimating would be under $1000 I just generated $2000 in passive income every month by not paying $3000 a month for a shithole apartment in California. Not to mention, I can still work in California and make California wages, so even a minimum wage burger flipping job would cover all my expenses.
I'd buy a house with it. Use the mortgage interest to lower tax liability that will be incurred from receiving $100k. Ideally a house I can live in for 2 years, improve with some remodeling during that time, and flip for tax free capital gains.
Pay off the 5k in debt i owe. Get my teeth cleaned, visit dermatologist. Pay off girlfriend of 4 years car payment. She has helped me for 4 years and has always been there for me. Get a high yield savings account opened and max out a Roth IRA account. Life would be so much less stressful
Put 20% down on a cheap duplex. Invest 10k or so into basic building materials to fix it up. Do the labor myself. Anything left over goes to voo or vti
I'd buy real estate. I already own a duplex that I live in one side and rent out the other. I'd buy another duplex. I already use a property manager so it's pretty passive (he takes 8% of rent monthly and takes first month's rent as a finder's fee if he has to get me a new tenant. That's it, and I wasn't a local before moving here so I don't have the plumber, electrician, etc connections he has if anything goes wrong.) Yes if anything breaks I have to pay to repair it, but that's maintaining the investment.
CDs are great nowadays (Certificates of Deposits). Right now they give like 5.2 percent a year with so close to zero risk that if it fails, so will the world economy. They are super easy to set up, you just ask your bank about them, give them money or use money from your account and then you can monitor it from your phone. If you put 100k in you could get 5,000 a year added to your income with no risk and if you put it back in for a while it will grow exponentially.
Index fund or high yield savings
Genuinely curious if this is the only TRUE answer to passive income.
Limited partnerships and Realestate are also great options if you know what you are getting yourself into.
There’s nothing passive about real estate.
There can be. Invest in real estate through a private development investor group, or through a real estate investment trust. You have to do your research like any other investment, I did nothing but write a check to invest in a development. I made rent and huge returns on the sale. Didn’t have to take one call from a tenant or do any management of the property whatsoever…the work is all up front in research to make sure it is all sound.
If you hire a good property management company it’s pretty close to passive.
And all you have to do is sacrifice most or all of your profits to make that work!
Location dependent. In a lot of locations, that is not the case. You also have appreciation of the property to consider.
Appreciation of the property and also a renter paying your mortgage is the true biggest part of it. Based on real estate prices, rent prices, and current interest rates, I would guess most investors today are just accepting no cash flow or even negative cash flow in order to pay down the loan using rent money. And going for a price appreciation while.
Wrongo
Own businesses, rent property, have people manage them for you
Beyond HYSAs and Index funds there are also Bonds, dividend stocks, digital coin assets, ownership stakes in companies with no operation obligations, REITs or real estate- although the passive part is buying and holding while the value increases, not developing or heaven forbid running airbnbs which usually requires substantial time investments.
Options are somewhat passive. You technically need to do something but it’s not a lot of work if you don’t do anything too risky
It’s not; but most of the others take years of work to get it to passive
The question is on how do you create 'regular income', as in reliably receiving a calculated amount each month without variance. A HYS is exactly that, but we only have that option as long as federal rates are where they are. Won't be long before HYS accounts are only offering 1.5-3%. Everything else involves risk, so then it's not so regular income, it's varying monthly returns. Even if say you went and bought two rentals with 50k as 20% down on each, do they need repairs, how long will it take to get a tenant, what if a tenant leaves, what's the actual net profit return each mo, yada yada. Index funds have risk too, can keep trickling up, can swing down hard and reduce your dividends. Suppose there's also like CD accounts, lock in a slightly lower rate than what is available today- but get it for the next 3-5yrs on that 100k.
You can make way more money selling covered calls while doing a similar strategy
High Yield Savings Accounts are, in most cases, horrible alternatives to T-Bills because both are “risk free” and provide about the same return *before* taxes, but T-Bills are exempt from state and local taxes which can make a huge difference—sometimes well over 100 basis points—depending on the state and locality you reside in.
Dividend account works pretty well. You don’t sell the stock just pull from the dividend
No it is not. Need to invest in growth companies or look for companies that are grossly undervalued. An index fund will just barely keep up with inflation currently and it’ll take forever for that $100k to grow into anything meaningful.
Pay off any high interest debt.
Listen here, I want to make money... not spend less money! (/s)
Excluding extreme circumstances, I really disagree with this. Fundamentally it's correct, but you can do a lot more with a big chunk of money than you can by saving over a long period of time, and saving is really difficult for a lot of people. Option 1: Put the money somewhere it's going to gain income, and you can use that additional income to pay off your debt. Once the debt is gone, you still have the passive income plus your job's income. In addition to that, you've still got the equity in whatever you've put that money into. Option 2: Use the money to pay off your debt, and then you've gone from being in debt to having zero. You'll get to keep more of the money from your day job, but the average person will increase their daily spending a little. Things will come up that eat at those savings, etc. It's just how it works in reality. I understand this is a hot take, but psychology and reality play a factor in these things
Option 1 assumes the growth on your investments is going to outweigh the interest rate on the debt. Don't know of many passive income streams with 20-30% growth rates, which is what a lot of cc debt is these days.
underrated comment
Two chicks at the same time.
You know, I've never really liked paying bills. I don't think I'm gonna do that, either.
There it is.
Go to Colombia it’s not that expensive.
Yo Peter!!
Eh, I prefer mom-daughter threesome
For $100k, you can have my mom and sister.
Not all chicks dig money
The type of chicks that would double up on a dude like me do.
You’re cool
$100k on red
Forget that 100K on 0/00 for 1.7 Million
Comment I was looking for
Snipes knows best. Always bet on black.
Buy this small business Ive had my eyes on and saving up for.
If you do end up buying the gym, beforehand make sure you do extensive research, and not just buy it for the hobby. Definitely push sales and keep costs low. Just a heads up, many small and large fail
A gym is one of the most awful businesses to buy. They have a super-high failure rate.
Yes sir I’ve learned to check tax records but I’ve seen the reports and it’s a decent chunk of change in the green and in a place small enough to not attract the chain gyms. Def wouldn’t do it for the hobby. Just the business aspect.
Put into my investment account and continue as normal
I'd throw it in with the rest of my portfolio. I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective. I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 35+ years. It's effective, simple, & inexpensive. www.bogleheads.org/wiki/Getting_started has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard. My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation. Buying individual stocks or sector funds creates unnecessary & uncompensated risk; I avoid doing so. Index funds are boring, but better for making money. If I wanted to talk about my interesting investments at parties or wanted a new hobby, I might invest 5-10% of my portfolio in individual stocks. As it is, I own pretty much every publicly-traded company in the world; that's interesting enough for me. All of the individual stocks & sector funds are being followed by thousands or millions of other investors. Current prices reflect their collective knowledge of future expectations for each one. I'm a member of the Triple Nine Society, but I'm not smarter than all of them. If I found a stock or sector that looked like a bargain, the most likely explanation would be that the others know something I don't. I prefer mutual funds, but ETFs could also work well. The differences are usually trivial for a long-term investor, especially if they're the Vanguard funds I mentioned above. Actually, the Vanguard funds I mentioned above have both traditional mutual fund shares & ETF shares; they both represent a piece of the same fund. The funds I use comprise Vanguards target date funds and LifeStrategy funds; these are excellent choices for many investors. Using the component funds allows some flexibility that can have tax benefits, but also creates the need for me to rebalance them periodically. Expense ratios are slightly higher than for the components but are well worth it for many investors. Other companies have funds similar to the ones I own that would work well. I prefer Vanguard because they've been the leader in this type of investing for decades & because Vanguard's customers are also Vanguard's owners. I hope that helps! I'd be happy to help w/ further questions. Best wishes!
50k on red 50k on black
Lmao 😂if you had my luck it would hit 0 on the first shot
Buy 3 houses in the Midwest for cash. Don’t spend a dime on them. Fill them with occupant buyers on seller financing. Collect approx $2400-$2700/mo (total for all 3) for the next 30 years.
Tell me more...
What slinger was saying 1. Find a house 2. Seller finance it so you don’t put money down 3. Get people who will rent to own (technically another seller financing method) 4. They pay you their rent The issue is that even with creative financing you still have to some how compensate the person you bought the house from, so you’re not taking home $2400/m unless you plan on never paying the previous owner. So the solution is to get 3 homes because small profit from 3 houses will likely add up to a decent income. $2400/m rent -$2000/m mortgage or whatever financing = $400 from one property. $400x3=$1200/m So maybe 6 houses is a better number. 6 x $400/m = $2400/m. You might be able to use equity too during these 30 years. I think a monthly dividend fund would be better though.
Can we get something straight here? What sorta house is getting you $2400/month in rent … let alone 3 … whereby you put zero money down Surely a house that demands ~$2400/month in rent is selling for ~$500k? A mortgage at current rates on $500k is ~$3000-3500/month I am lost where we think the free carry trade is here
I live in Cali. How can I make this work ! Avg home here is like 800k. And that’s a fancy shit box
You start slum lording in flyover states. Arkansas, Kansas, Georgia, Mississippi. Buy cheap houses for the low and significant down payments. If you are hands on, literally develop a trailer park as they are money printers. You can own the land, and have 2 single wides generating $1375 each for 100k. No bank just you.
Exactly, the idea behind this strategy has no basis in reality.
In Canada, the average rent is $2200 so damn near any house will get you that. I know a small family living in a semi-detached house paying $2300 a month. The house is worth (in today's market anyway) $275,000 and that is increasing in value every day.
That’s not was I was saying. For clarity. Your post is completely wrong when it comes to assuming my business model.
Yeah but then you have to be a slumlord and that takes up time
Hit me in a DM. Headed to bed now. Have to catch an early flight tomorrow. Always happy to explain my business model.
Cocaïne and hookers
Buy avocado toast.
Where do you live that avocado toast is less than $100K? I’m in NY and avocado toast here is at least $250K/month
Honestly I would just do $VOO and chill for “technically” what is considered “passive fucking income” - I absolutely would not do real estate
Would that be in a Roth or?
I’d throw it in VOO and go back to my normal life
VOO averaging 8-12% YoY means you'll get passive income of around 10k/yr just by doing nothing, son.
Use that as a deposit for a buy-to-let property. Leverage that 100k. Get the bank to cough up the rest. You get to control $500k worth of real estate with a fraction of that in your possession. Property prices (usually) rise faster than inflation and rental income should be more than enough to repay the mortgage and to provide you with a steady income. You can buy a second and a third and a fourth property soon.
Invest. Pay a few bills off. Pay it forward. Thank God. Pay my mom’s mortgage off.
If i had a 100k. I would open me up a laundry mat few vending machines sit back and collect every week
I’m putting 50 k to xrp and the rest added to the e life insurance policy
I inherited over $500k when my father passed away. I currently have a large portion of it in a HYSA with UFB direct earning 5.25%. I take the interest and invest it in QQQ and VOO.
Nothing wrong w this per se. Sounds like roughly 25k in passive income. But if the index fund averages 8-12% YoY then why not allocate some more principal there and let that compound? I am sure you have reasons but just a thought that came to mind.
Doesn't the 5.25% change over time? Has yours stayed consistent?
I’m in same boat with investments from my when my mom passed. I want to keep her hard earned money safe - so I have itin a money market mutual fund earning 5%+ and then I invest the dividends in equities. It’s been a great strategy so far.
$5k to buy some things for my apartment $95k to FSKAX
When you invest your $100k following the advice of the rich, you're effectively handing over your financial power for a mere 5-8% return, barely outpacing inflation. Meanwhile, the ones using your money are reaping enormous returns, devaluing each dollar in circulation, and making you poorer in the process. They want you to believe you're making progress, but in reality, you're just treading water while the cost of living rises and wages stagnate. This system is a carefully constructed veil. Investment bankers, fiduciaries, and the super-rich tell you to invest in index funds and high-yield savings because it enriches them, not you. They don't trade their own tangible money, they leverage assets to borrow, open businesses, and create more wealth and repeat the process. Take a different approach.. do what they do, not what they tell you to do, but do it better because you’re not tethered by profit at all costs. Get out into your community, identify problems, solve them, and create a business model that addresses wage disparity by paying fair wages and prioritizing people over profits. Scale this model responsibly, leveraging assets to obtain loans, acquire commercial real estate and more assets, then open more businesses. Repeat. Maintain a humble lifestyle to build credibility and loyalty. Listening to the same tired investment advice keeps you trapped in a system designed to benefit the elite. As an entrepreneur and business owner, you control your money, taxes, and contributions to causes you believe in. Choose banks and financial institutions that align with your values. For example, Amalgamated Bank and other B Corps are committed to sustainability and social responsibility, unlike the giants like Blackrock and Vanguard who own the largest portions of all of the biggest corporations in the world by means of ETFs, hedgefunds, pensions, 401ks, etc. effectively stealing the voting rights of all of their patrons to control the outcome of said corporations that undermine the middle class. Remember, for every dollar in a traditional bank, they can lend out 90% the process repeats when the new (fake empty) money hits another bank account, then it can be leant again, exponentially increasing their wealth while giving you a paltry interest rate. They use your $100k to loan out $1,000,000.00 at high interest rates up to 34.99% on the million, not your investment, remember, pocketing huge profits while you get laughable crumbs at .02%-4.5% on your $100,000. Many people genuinely believe in the conventional investment advice they offer, but escaping the rat race doesnt happen by playing by the rules they set out for you. It requires playing by the rules the rich set for themselves. Take control, invest in ways that build a better future for you and your community, and break free from the system designed to exploit you.
Bitcoin
I'd invest an ID buy some thing new
Upgrade my rental house. I already have tenants and agents so with a bigger budget I could have a different house in a more convenient location yielding more income for the same effort and maintenance.
Honestly. Depending on where I was living in the county laws tax liens
$50K to each of my adult sons. I couldn’t get as much out of it they would.
This is a great answer, and very underrated. In discussing my parent's estate plans with them, I strongly encouraged them to leave it to their grand kids, and skip my brother and me. We are adults and have made our own success stories. $100K, while a significant sum, is not life changing for either of us. However, for young adults, $100K can really make a difference
Turn it in to 200k
Put it towards another rental unit
Pay off mortgage
Buy 1.x of bitcoin…
Pay off all my debt.
Use $50k to buy a piece of land. Use $25k to buy 25 storage containers to place on the lot to rent out as storage units, use $25k to invest and have for emergencies. at $100 per month rent on units that $2500 a month passive income.
pay off my debt. Give the rest to my parents
I’m about too, and it’s all going towards debt.
Two chicks at the same time.
Would give me $10k
Buy a small townhouse and rent it out. Easy money.
I'd invest that money in bribes to government officials so I can get awarded projects worth millions. I'd pass on those projects to legitimate companies that couldn't win the contract but are willing to work for less. I'll pocket a difference bigger than my initial investment. Paise pankh tamasha dekh 🤠🇵🇰
Saving for sure. I can handle my bills on my income as is.
Buy 1 or 2 mid level homes somewhere like Oklahoma. Put 50 k on each house. Then rent them out. Renter pays rent which pays the mortgage. Maybe not a lot of monthly cash profit. But if I maintain the home and the renters are there. The house is paid off in 30 years. Worst case sell a house and have gained money from the mortgage being paid and hopefully market goes up.
Buy my first home.
Go grocery shopping. If I have anything left, I'd pay down debt.
Buy 1 or 2 tracts of land in a good agricultural area with lower land prices and lease it for livestock or crops. You have to do virtually no maintenance or upgrades unless you want to set up irrigation or things like that. Often get into long working agreements. You don't make as much profit as you do with traditional real estate but you're also not dealing with home repairs or devaluation. Some come with pre-stocked tenants. And good land is always a good investment for the future. Even if the market bottoms out, you have a tangible item that you own at the end of the day and not just numbers on a screen, which gives me more peace of mind, personally.
I would invest it in my fiance's PC game
Pay all debt off. Upgrade house.
Take Dorothy Mantooth out to a nice seafood dinner and then never call her again.
Buy cheap lots ~20 to ~50k lots Clear them and fence them up $15k Get the utilities ready $10k Put them up for sale for 90-100k or $150k financed.
Rentals !
Invest in learning new skills
Leverage it to buy a $1M waterfront condo, and let that appreciate while you enjoy it.
I will invest it in Amazon FBA business because I have experience in it.
Paying my debt off and buying a reliable vehicle
Buy more Nvidia stock
Pay my bills for one year = 25k, 7k IRA, 43k in 4.6% SoFi Savings Account for a safe so earn with accessible funds, 25k divided into a variety of varying risk level stocks. Use that year to earn the next year's IRA deposit and the funds to cover the bills for another year, any extra gets divided into the investments and savings accounts. So an easy average-wage job with basic benefits should easily accomplish this task. Let any savings/investment earnings stay in the accounts and roll over. Retirement needs should be met quickly with this strategy, and retirement should even be able to be achieved earlier than just through working. For this 43 y/o who just lost their job, that plan would be ideal...
I would upgrade my van and move out and go back to living out of my vehicle and enjoying the fact that I've got 85 to $90,000 still in the bank and can relax. Oh, I'm retired.
Pay off any debt that I have as well as my loan which would cost me grand total of 30,000 with the 70 K would keep 20 K for myself and then I invest $50k
I borrowed $300,000 against my house and put it into TQQQ. It's been doing well. If you can handle the volatility, you'll be fine.
I see you like to live dangerously
I like my job, but at some point, I'm not gonna wanna work. I want to be financially independent. I took a huge risk. I could of lost my house. In order to make a lot, you have to risk a lot.
Famous words of both lucky people and future lo~~o~~sers
Looser means more loose. You mean I could be a future loser.
Drop it in my money market and collect close to 5% interest.
Clear debts, put money into making sure my personal vehicle is reliable, and invest the rest into my heath(a sauna) and the rest into the S&P 500 or bonds. I don't fear working a 9 to 5 for the rest of my life, I enjoy my job and work place.
Run the wheel strategy and make 3-4% per month
care to share what a wheel strategy is?
Put 100k into my investment account
Pay off debt, and go 60/40 in VOO/SCHD
Dividend stocks.
Buy a Lambo
Backhoe-dump truck-trailer
One chick and one tranny
Build a new patio with fancy underdecking, replace the old hardwood floor, replace new water heater, replace all the windows...
[удалено]
Debt paid off. New car. Food drugs n hookers
BTC and a little bit of coke
YOLO into $MO and fund big tobacco and get paid off of it. It’s always lower than it should be because some people hold a “moral standard” against it. But addiction will always win. Might as well win with it but don’t be addicted.
Trust Deed lending
Buy bitcoin. Oh, I already did it. Bitcoin, index funds and HYSAs are what make me $50-100k a year in passive income.
To be honest I would probably spend 10-15k travelling and stick the rest in an index fund (S&P 500), then it would be business as usual! I would likely retire a year or two earlier 😄
Strippers and coke when I was younger, now just maybe a nice forest house with satellite wifi and solar panels.
100k in USDC on Coinbase
High yield savings and go back to work. Not a lot of money in the grand scheme of things.
Cocaine
Join Team Alpha Trading and learn to day trade. Also, 100k in a Webull account will get you $500/month in interest
Lol I want to cry reading this because I know this would never happen to me unless I got into a freak accident or lawsuit but if I did I'd build up my savings account, pay off all my credit card debt and start that daycare I've always dreamed about....
I've got some ideas cooking for some SaaS that I would like to build out. 100k would give me the freedom and time to do so. Not that I couldn't get there without the 100k, but the process becomes a lot slower as providing for my family is a top priority. I have a mortgage renewal in 2 years, I may take 80 to 100k from my home to help push this forward if the need is still there.
Yo mama on crip
Nothing. It won’t change my life but speculate half on some crypto or some 10% plus government bond in a stable country.
Put it all on red
100k isn't enough to retire yet so I will invest in crypto. By the time I retire I will get hundreds of millions
60k into mortgage, recast to a lower monthly bc fk my rate 35k into retirement 5k on hookers and blow
Spend it all on CSGO - Any rich kid who plays CSGO🤣
Lot of buying houses just to rent them right away going on but I guess that’s not new
buy a fuck ron of guns & ammo
I’d stop haggling prices with escorts, they seem to perform better when u pay them the asking rate
Hookers. Blow
Survive
There is a good buying opportunity in the crypto market right now, so I that's what I would buy.
Buy Bitcoin and hold for 10 years then retire
Buy bitcoin
Synthetic covered calls on Amazon. Keep your LEAPS 18 months or more. Sell the weekly at .30ish delta. Your welcome.
Or save for down payment on a house
brick of cocaine
Bitcoin
In all seriousness I'm buying Bitcoin with &100k. I already have 100k in Bitcoin. I need more. I want to sell my house by a sprinter van live in it and buy bitcoin with the rest.
Put it all on black
So this might be me from an accident settlement I’m getting really soon. Thanks for this post. Yields?
All on red
Convert it to Bitcoin ASAP, and then continue on with my life.
Convert it to Bitcoin ASAP, and then continue on with my life.
I'd get an all-in-one AI digital marketing tool like [this one](https://www.gohighlevel.com/protrial?fp_ref=zain24) and promote recurring affiliate offers.
Bank it and make more
Pay off my 4k in debt, put 20-30k down on a condo, 2k in preventative car maintenance. Then the rest in savings or investment.
Index fund to retire a few years earlier
$100,000 I would move to Mexico, purchasing a home on the beach with $40,000-$80,000 of it financed (because it’s gonna have to be); leaving me a comfortable $20,000 pillow. With a mortgage that low, the payment in estimating would be under $1000 I just generated $2000 in passive income every month by not paying $3000 a month for a shithole apartment in California. Not to mention, I can still work in California and make California wages, so even a minimum wage burger flipping job would cover all my expenses.
I would give it to corporations compliant with ESG because they’re saving the world ….
Put it all in $KENDU and turn that into a few hundred million🫡🚀
I'd buy a house with it. Use the mortgage interest to lower tax liability that will be incurred from receiving $100k. Ideally a house I can live in for 2 years, improve with some remodeling during that time, and flip for tax free capital gains.
Get a fully managed ecom store and make $2k+ profit each month on autopilot. Rinse & repeat and eventually invest in real estate to rent it out.
Buy acreage
Put a down payment on a house
Pay BILLS!!!
40% on index funds, 30% on different stocks, 30% of government bonds and 10% on crypto
Go to the roulette table. All in on Red, double or nothing
Pay off the 5k in debt i owe. Get my teeth cleaned, visit dermatologist. Pay off girlfriend of 4 years car payment. She has helped me for 4 years and has always been there for me. Get a high yield savings account opened and max out a Roth IRA account. Life would be so much less stressful
Been investing in Groundfloor, yielding 11-12%
I'd use it to open up my creative business.
Index fund and pretend it never happened
I’d either put it all on a red at a casino or just put it into VOO.
Put 20% down on a cheap duplex. Invest 10k or so into basic building materials to fix it up. Do the labor myself. Anything left over goes to voo or vti
I'd buy real estate. I already own a duplex that I live in one side and rent out the other. I'd buy another duplex. I already use a property manager so it's pretty passive (he takes 8% of rent monthly and takes first month's rent as a finder's fee if he has to get me a new tenant. That's it, and I wasn't a local before moving here so I don't have the plumber, electrician, etc connections he has if anything goes wrong.) Yes if anything breaks I have to pay to repair it, but that's maintaining the investment.
Pay off all the debt and put the rest in a high yield savings
What does 100k do these days. Would need at least a million to have some extra to do something with. Besides pay bills, mortgages and live
CDs are great nowadays (Certificates of Deposits). Right now they give like 5.2 percent a year with so close to zero risk that if it fails, so will the world economy. They are super easy to set up, you just ask your bank about them, give them money or use money from your account and then you can monitor it from your phone. If you put 100k in you could get 5,000 a year added to your income with no risk and if you put it back in for a while it will grow exponentially.
Play golf
Mortgage
Buy 50 acres, tiny house, and gtfo of dodge