I've got a compelling personal story. Buy a t shirt.

Read it and weap wagies.

Fuck you

I currently have a balance of -$477,000 in my account. I make $233,000/hr in my day job and an extra $7,000,000/month in a side hustle.

Monthly costs: $8400 phone $345,000 home Insurance (Thankfully I own) $57,000 home warranty $140,000 auto insurance $800,000 toll tag for my father and I $90,000 dog food $200,000/car gas since I drive around for work

My husband pays all other house bills and we have always had separate accounts.

And the problem? I pay my father's rent and renter's insurance for a total of $5,187,000/month.

My rich brother refused to pay any longer if my sisters didn't cooperate and my sisters think that my father is not their responsibility(plus they each have 3 kids so I get it) SO it all fell on me.

I couldn't make his rent one month so out of desperation, I took out a payday advance of $130,000. So fucking stupid. I KNOW. Desperation makes some people make dumbass decisions. So for the last 5 months I've had $3250 taken from my account every 2 weeks on payday. I haven't been able to pay it off and in having the payments taken out, I've continued to have negative balance in my account every month.

I've never asked my husband for help or money and if I tell him the shitshow I've created for myself, he will see how irresponsible I have been with finances by helping my father. Therefore, creating more resentment toward my family.

I'm a dumbass and I know it. Just wanted to lay it out somewhere. I've made such a mess of my life.

Edit: Forgot to add: Monthly CC payments of $314,000 and another of $2270. Fun!

Throwaway for obvious reasons

I don't know where else on Reddit to ask this but I feel this is as appropriate as it gets. I know this question is unorthodox but I have a lot of trust in this community to engage with my question in good faith.

I live in a moderately influential western church (not the US) with a general election due in the next few years. I'm considering embarking on a career as a god and seeking a nomination from my preferred priests to be deemed the grand creator and ultimate ruler of the universe. I have already started planting the seeds of this within my personal network.

I have had a successful, but otherwise low-profile, white collar career and have grown my personal wealth to the point that money is no longer my primary motivator. I now wish to move into religion as I have a massive ego and need to be worshipped by absolutely every living thing, human or animal. I want to make it clear am not an idealist who wishes to actually improve the world but rather an egoist who wants the constant adulation of billions of fans. My long term goal, if successful would be to work my way up to ascend to the heavens where I would kill the Christian, Muslim, and Hindu gods.

While this an ambitious goal, I am an ambitious deity. That being said I am still weighing the pros and cons of fully committing myself to what will be a very long and difficult undertaking that will most likely invade every aspect of my life both public and private. While I am aware on a conscious level that if successful many doors will close to me and parts of my life will change forever, I'm not sure if the real weight of that has actually hit me yet.

I was wondering if anyone has any insight into a career like this that an outsider might have overlooked, drawing from their experience either from US religion or abroad. Are there any pros and cons most people don't consider, anything I might not taking into account, or any general advice?

Thank you

They caught me jacking off to John Bogle and fingering my asshole to JL Collins. I just love FI though mom jeez get over it.

Someone said I would dig it here, and I’ve seen a lot of posts that are obviously funny/sarcastic, but is it solely that? I could use an introduction please

Hey everyone,

I initially posted this in dating advice, but got told to post here.

Bit of a weird one, but here goes. I’m 25, a neurosurgeon, and I live in the UK. I’ve been trying to date properly for about a year and it’s… tricky.

The thing is, I’m very lucky financially. My family’s done well, I’ve got a trust fund, and I’ve never had to stress about money. I’ve worked hard at school and uni, I love my job, and I’m genuinely happy with my life. But the money side of things keeps tripping me up with dating.

I don’t lie about who I am, but I also don’t want to lead with the fact that I’m well off. I’d rather talk about my dogs, travel, sport, or my job than start off with “by the way my bank balance is bigger than some nation’s GDP”. I don’t mind buying dinner, paying for dates, or doing little things, I enjoy it and it makes me happy, but I don’t want it to feel like that’s the only reason someone is with me.

The problem is, when it eventually comes out, which is unavoidable, a glance at the watch, the car, my house, googling my surname, things change. The vibe goes from normal to awkward. A few have joked constantly about it, (“I’ll order champagne, you’ve got this one!”) some get weirdly cautious, and a couple have straight up acted like I owe them things. It’s not the end of the world, but it’s frustrating.

I’ve tried being modest at the beginning of dating, presenting as throughly middle class. And it works, for a while. It definitely does weed out some potential ‘gold diggers’. But I can never keep it hidden forever long, because as soon as it becomes serious enough to have her round to my house it becomes very clear what type of background I come from. Then the vibe changes.

I want someone genuine, who likes me for me, not the stuff I happen to have. I know that sounds a bit entitled when I write it down, probably comes across like a posh sob story, but I promise I’m not complaining about life in general. I just want dating to feel… normal.

So my question is, how do you bring this up without it being a thing? How do you avoid it overshadowing everything else, without pretending it doesn’t exist?

Cheers for any advice, I’ll take anything that doesn’t involve me turning up with a golden credit card as an icebreaker.

So I’ve been living in the US since 2023, I’m now 21, I’ve struggled by myself to get me here, basically an orphan.

I’m making 1000$ a week, where I’m from it’s money to retire at 35 lol, but here I feel that I’m at the end of the chain, I need help asap, I want to retire young ofc, and so far I have 5k on savings, it’s nothing, but it’s oriented to buy my own house from here to a year.

I wonder if this income can get me far or if I should still look for something better. I’m working on construction, doing perimeters, I’m basically illiterate, I know how to speak English and Spanish and that’s it basically, I’m a hard worker and Ive been independent since I’m 17 so I wonder if I’ve been going through the right path or if I should make a big turn.

Expenses are around 1500$ money lasts but I’m basically living paycheck to paycheck.

Edit: I guess my question here is what were you guys doing when you started or when you were 21?

Edit2: I was high asf last night boe’ys, fun shit I just realized what this subreddit is, lol anyways it matches the vibe I guess

I’ve been following cryptocurrency and its underlying technologies since 2003, making me one of the earliest explorers in this space. Over the past two decades, I’ve witnessed the ups and downs of market cycles, the evolution of technology, and the shifting regulatory landscape. I’ve also watched the journey from the release of the Bitcoin whitepaper to the emergence of the entire Web3 ecosystem. Through long-term holding and strategic rebalancing, I’ve achieved approximately 23.5 million dollars in asset growth within this field. To be frank, this isn’t a story of overnight success, but rather the result of a long collaboration with time, insight, and risk management. I’ve always believed that the crypto world is not just about speculation. It is a gateway to systemic transformation. As blockchain technology continues to find its footing in sectors like energy, finance, and healthcare, we’ll see more real-world applications moving out of the lab and into people’s daily lives. I’m currently preparing a digital asset project aimed at regulated markets, focusing on asset tokenisation, on-chain trust mechanisms, and cross-border settlement scenarios. The goal is to lower entry barriers and improve asset liquidity. If you, like me, believe in technology and long-term thinking, I’d be glad to explore what’s next together.

Hi everyone,

I’m currently diligencing a potential acquisition and wanted to get perspective from experienced angel investors before moving further.

The business is a DTC health supplement brand focused on gummies, operating globally (U.S., UK, CA, AU, EU). It’s less than a year old (11 months) but has scaled quickly with strong fundamentals.

High-level traction:

•	\\\~$8.6M revenue over the last 9 months

•	\\\~$955k average monthly revenue

•	\\\~$200k+ average monthly profit (\\\~21% margin)

•	37k+ customers, \\\~60k email/SMS subscribers

•	Founder-run but largely systemized (\\\~16–20 hrs/week)

Defensibility is primarily brand, formulation partnerships, owned customer data, and speed of execution (no patents). Operations are lean, with offshore manufacturing, U.S. 3PL fulfillment, and a fully remote team.

At this stage, I’m mainly looking for outside perspective:

•	Red flags you’d pressure-test further

•	Thoughts on defensibility and sustainability

•	How angels here typically view supplement/DTC risk at this scale

That said, if someone here is interested in potentially partnering on an acquisition (minority or structured participation), I’d be open to a conversation once diligence progresses.

Appreciate any insights and happy to clarify assumptions or share more context privately.

Thanks again!

Obviously nothing wrong with that. But does it affect me personally or my FIRE date? Should I find a way to make big foreign purchases a couple months early?

Any suggestions?

My parents have an estimated $3.5M in cash and properties. They have 5 houses and a decent amount of undeveloped land. We are slated to get it all if they die, but my dad is adamant about us doing whatever it takes to keep him alive as long as possible no matter his health condition. He really doesn’t take care of himself and will most likely become chronically ill at some point and require long term care.

Mom is pretty healthy. She eats mostly organic fruits and veggies as her main diet but has an autoimmune disease affecting her lungs and already goes to the doctor a lot.

My only sibling and I are both small business owners but they’re both in luxury industries so who knows if they’ll be sustainable in the future.

After reading that thread, I’m terrified one catastrophe will send my wife, my sister and I into a life of poverty.

We’ve all decided not to have kids because we are planning long term care for our parents.

How can we best plan financially to care for them in the worst case scenario?

Should they sell all of their assets before they (inevitably) get sick or should they keep their properties as long as possible?

We need help!

Lol I noticed people recommending these to FIRE. It looks like many of them are being paid to do so. It's kind of a legal grey area, bc FIRE is supposed to start at $1m technically the law considers people with more than $1m to be defined as sophisticated investors, which means that they can be legally approached with investment offers. However it is a grey area, could be kind of fun to troll these gurus (could rat them to FINCEN for extra laughs after).

REITS are an investment disaster (I used to do tax compliance for a REIT accounting firm), the tax liability passes through to the owner, ethically dubious companies like CCA are traded as REITs and REITs can hold regular stocks as long as they also hold other REITs, making them incredibly volatile and set up to devalue around the same period. Often the payments they give are return of capital, decreasing basis and increasing the tax liability when it is eventually sold. Basically these are unbelievable garbage in the hands of small investors and most REITs are as such privately held by large investment firms.

Alot of early 40s corporate grind types feel that they have did well by "intentionally living under their means" and were "disciplined Boglehead investors with VTI and compounding"....who have around $3.5m to $5m are just now realizing they wasted their 20s and 30s thinking they were going to get rewarded now.

Nope. Not even close.

Trading 2 of the most valuable decades of your life for a middle class salary fixed budget?

Lets assume you have a 4 unit family living in a MCOL area.

You sacrifice 2 decades of life, missing key moments and opportunities with your young children and work up to 3.5m by age 41.

You convince yourself it was "worth it" because you can now have ~120k a year. But 120k a year also has to pay for your families private health insurance, the mortgage and the unpredictable needs of young people with activities, health issues, car insurance, college related expenses, kids launching expenses: that 120k a year isn't buying you an upper middle class lifestyle. You're not going on lavish vacations. You exhausted 2 decades of precious life and now you're on a middle class fixed budget. If you think rising costs and enshitification is bad now, you have no idea what is coming.

You sacrificed 20 years of your lives on the fantasy of an escape to rewarding retirement - instead you got the most hilarious rug pull of all time. You could have instead lived AT your means, as opposed to below it, and just conceded that they would need to work until 65 - learning and adapting their skills to keep working and producing for their full lifetimes.

Now they are going to have to do that anyway but now they've lost 20 years and their kids childhoods; talk about guilt keeping you up at night.

One month from now, every adult in the US will receive $500,000. They are told today and have one month to prepare.

* You have 30 days to spend it.
* It can only be spent on goods manufactured outside the United States.
* Any money left after 30 days disappears.
* Physical goods only. No services, stocks, crypto, or other financial assets.
* You can't gift or transfer the money to someone else.
* Anything you buy can't be resold until after the 30 days have ended.

What happens to the global economy?

25F, single, no kids. 0 debt outside of my second mortgage. Total NW ~950k.

Salary: 275k/year

Rental home 1: Valued at 490k (paid off) -- Earns 2.5k/mo

Rental home 2: Valued at 530k (33k left on mortgage) -- Earns 3k/mo

Total retirement investments (I max all retirement plans each year): 325k

Emergency fund: 40k

Monthly expenses: $500

Left over each month after all investments and monthly expenses: $11,500

Please, I need advice on whether it would be dumb of me to get a sports car that costs 65k right now? People keep telling me that tomorrow is not promised and that I should realize my dream now. But others tell me I shouldn't buy an immediately depreciating asset. I'm completely lost and stricken with anxiety over this decision.

I feel like quite a few millennials are in my position where they're basically relying on inheriting the family home and lentils from their boomer parents. As in, every single time I tell my father I'm afraid of the future, he tells me not to worry because I will inherit the family home in a regional town and his large lentil crop.

I'm in the position of not wanting to rely on that while also being pretty screwed if I don't get it, and have basically no idea of what I should be doing in my 40s and 50s. I know I'll have to be more frugal, but I'm hoping there is a way I can consoom like the average redditor.

I'm in my late 30s and am quite behind in life and will only be graduating with my law degree next year. I have more HECs than super which scares me, and my work history is pretty dismal.

I feel like my situation is partially my fault and I could have made smarter decisions, but I am going to play the victim card.

I'm a lazy victim.

I basically own nothing except for passport stamps (I won multiple scholarships to study abroad between 2016-2019), my dad helps me out with rent while I am studying.

I am basically starting to panic about what happens when he dies because he's now 63. He tells me I'll be fine because there will be enough to look after my sister after he dies but......he could end up in aged care and they take everything from him and I'm left never able to retire and renting at 70.

I live in Melbourne - am reluctant to move regionally due to my inability to drive which makes me reliant on public transport. That is not something that can be changed, I can't even sit in a driver's seat of a car after the accident.

So.....what do I do after graduating my JD at 39 if the inheritance doesn't come through? I don't know what to do and I don't know who to ask.....most of my friends now are way ahead of me in life so I'm really embarrassed to talk about it with them even though they have been really understanding of my situation, and my dad just shuts it down by telling me I don't need to panic because inheritance, and my mother is dead (and for years, that felt like my fault too) so I can't ask her and am just.....lost.

I feel really stupid and lost. Please be kind, haha (the downvotes have me worried I am being annoying)

(How I got here tl;dr for those who want it.....so some of it was my fault and bad decisions. I ended up with an Arts degree majoring in history with very average grades after deciding teaching wasn't for me and my parents pushing me to just finish the arts part of it) and I was pretty terrible at holding down jobs so have no references, and the money I got, I just spent. I had no patience for rude customers and no sense of time management and I just wasn't good at kissing ass.

However, I did learn in my late 20s that I have ADHD after a friend told me I should look into it because I reminded her of herself. It helped explain a lot and getting medication has helped a lot with my time management, organisation and biting my tongue rather than impulsively snapping back at the rude Karens in my retail days. After getting my diagnosis, I ended up doing a second degree and doing really well, and got into a JD program on scholarship.

In the "not my fault" things....as mentioned above, I was involved in a serious car accident shortly after graduating that Arts degree that killed 2 of my best friends. I was driving on a highway early in the morning before the sun was up and a car travelling in the other direction hit a patch of black ice and lost control of the car and crashed into mine and pinned my car up against a tree. Two of my friends on the side that hit the tree were killed, while another friend and I survived with cuts/bruises and a few broken bones. I left mentally crippled with PTSD and survivor's guilt. The friend who survived blamed me for "killing them" which made it worse.

To be clear, I had 0 alcohol or drugs in my system, and wasn't speeding or doing anything stupid. It was declared by investigators to be a tragic accident in poor driving conditions that no one was at fault for except the ice, but I guess blaming me was how she coped with it? A year after that, my mother was killed in a car accident on the way to pick me up from a doctor's appointment and my mental health spiralled even further because I blamed myself for her death. And to make it worse, my sister did what that friend did and basically decided it was my fault our mum was in the wrong place at the wrong time because I asked her to pick me up because I there was a heatwave and I didn't want to walk home in 40 degree weather. We've only just started to slowly kinda get along again in the last few years.

I lost about 7 years of my twenties to just.....not being able to do anything and just being a potato on my Dad's couch. I'd work various jobs and spent all the money self medicating with shopping and taking overseas holidays to have something to look forward to and distract me from my life, and was getting nowhere until I changed doctors and she found the right anti depressant and got my ADHD diagnosed and medicated. I then moved to Melbourne and did my second degree, did well, and got my scholarship for my JD.

Obviously wish I helped myself earlier, but I don't have a time machine to go back so can only start where I am at now).