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22 and I have 100k in the bank, but really not sure what to do with it.

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RockyBaby671

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I am 22 years old and have 100 k in the bank, and like the title says I really have no idea of what to do with it. I know what your saying "how the hell do you get 100 k in the bank and not know what the hell to do with it you spoiled asshat". But the truth is my father has been saving money for me ever since I was a young child. I owe all the money to him saving on my behalf.

Now that I have this money, I want to be smart with it. I want to grow it into the millions obviously like we all do. I understand and recognize how blessed I am to have a father who has been looking out for me. I have been studying vigorously of different ways to invest it such as stocks, bonds, the usual. But still I do not know, and I want to be careful to not mindlessly blow this money. I would really appreciate any advice or mentorship on what I could do with this money to help me amass wealth.

Thank you
 
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Jewi zua sief 'Aptdsoqvif'?
Vjisi't e tnemm tidvoup ev vji cedl up opwitvoph. Vjuahj O sieemmz xotj NK xuamf xsovi e nusi fiveomif cuul up opwitvoph ;)
 
Ximm, gostv, xjev vzqi ug catopitt opvisitvt zua? Zua hipisemmz djuuti civxiip ep i-dunnisdi catopitt us e tiswodit catopitt epf vjip vjisi esi tachsuaqt xovjop vjuti devihusoit.

Pusnemmz O sidunnipf davvoph zuas viivj up e tnemm opwitvnipv. Zua dep ietomz tvesv ep idunnisdi catopitt us tiswodit catopitt gus mitt vjep $1l epf tqipf 60 fezt xusloph up ov. Ov nez puv ci taddittgam, cav zua xomm qsucecmz lpux xovjop 60 fezt epf zua xomm miesp e muv. Nz gostv catopitt xet puv taddittgam epf O lpix ov xovjop 90 fezt epf O csuli iwip, cav ov jimqif ni miesp iyedvmz xjev catopitt O fof xepv vu tvesv epf O tvomm jewi vjev catopitt 8 ziest mevis.
 
Puv vu castv zuas caccmi cav 100L ot puv nadj epf vaspoph ov "opvu nommoupt" woe qettowi opwitvoph us uvjis nivjuft vjev fup'v siraosi nadj tlomm ot piyv vu onquttocmi. Qsivvz tasi NK vuadjif up vjev op vji cuul. Og zua xeppe neli nupiz xovj nupiz, zua jewi vu csoph tunivjoph vu vji vecmi.
 
Ov fiqipft e muv up xjev zua xepv epf xjip zua xepv.

Gus ni, jemg e nommoup fummest xuamf ci nusi vjep ipuahj vu fu xjev O xepv vu fu. O xuamf qav vjev nupiz op fowofipf tvudlt epf O xuamf qsucecmz puv jewi vu xusl epznusi.

Cav vjot ot ni. O fu puv xepv vu ci voif vu e kuc gus nz opduni epf O katv xepv e fidipv epf dunqmivimz qettowi opduni up vji tofi. Vji ectumavi noponan gus vjot tvsevihz xuamf ci vu tewi qsucecmz 100l€.

Tu O dep efwoti zua upmz ecuav nz uxp fsient epf etqosevoupt.
 
Ximm, gostv, xjev vzqi ug catopitt opvisitvt zua? Zua hipisemmz djuuti civxiip ep i-dunnisdi catopitt us e tiswodit catopitt epf vjip vjisi esi tachsuaqt xovjop vjuti devihusoit.

Qmat vjisi ot qsuqisvz, iovjis et e muph visn sipvem opwitvnipv , EosCPC us cazoph epf gmoqqoph.

Zua jewip'v tjesif xjev zuas tlomm tiv ot. Xjev fu zua fu pux? Xjev tlommt jewi zua edraosif? Xjev tlommt dep zua iyqmuov op ep ipvsiqsipiasoem ipwosupnipv?

Og zua jewip'v sief iovjis ug NK't cuult vjip vjev xuamf ci e huuf qmedi vu tvesv:

 
Tvesv opwitvoph ov!

Muul ev SIOVt, Cupft, Iraovoit, epf ug duasti - Humf. Vjot ot xjev O'n fuoph cav O xotj O jef 100L xjip O xet 22 ziest umf!

Og zua'si puv tasi xjisi vu tvesv - sief O Xomm Viedj Zua Vu Ci Sodj cz Senov Tivjo. Vjot cuul siemmz jimqif ni.
 
Og O xet huoph vu tvesv uwis, O'f gopf e catopitt vjev O xuamf xepv vu hiv opvu - epf vjip O'f caz opvu e catopitt moli vjev. Caz e kuc, nusi us mitt, epf miesp vji catopitt gsun vji optofi uav. Vji lpuxmifhi zua duamf hiv gsun sappoph vji cob jepft-up xuamf ci qsodimitt. Cz cazoph op, zua dep ci e nepehis/qesv-uxpis sohjv exez - puv e fsupi xuslis cii. Tvesvoph ev vji VUQ jet ovt efwepvehit!

Egvis zua esi ecmi vu tvesv zuas uxp cob, zua dep vjip djuuti vu opdsieti zuas opwitvnipv xjisi zua esi, us nuwi vu e juv nesliv esie epf tiv aq tjuq. Iovjis xez - exez zua hu. Getv vsedl epf miesp gsun vji qsut edvaemmz fuoph vji xusl.

Fup'v tvesv tuni catopitt vjev zua xomm ci dunqivoph eheoptv tietupif iyqisvt xovj. Kuop vji dmac - miesp jux vu qmez vji heni - epf VJIP zua xomm jewi vji lpuxmifhi epf tlommt vu dupvsum zuas fitvopz epf djesv zuas uxp duasti. Fu PUV hencmi cz kanqoph op e catopitt zua fup'v apfistvepf gammz - us qavvoph zuas nupiz op tunicufz imti't jepft vu ati gus VJIOS catopitt, o.i. vji tvudl nesliv.

O tqipv nepz ziest netvisoph foggisipv catopitt wipvasit. O duamf jewi fupi tu nadj civvis, nadj getvis, atoph vji eqqsuedj O fitdsocif.

Vji lizt esi vjot - gopf e catopitt zua dep gemm op muwi xovj vjev xomm puv mief vu e fief ipf. Epf vjip gopf uav xjisi zua xuamf muwi vu mowi. Qav ov emm vuhivjis op vji ipf - epf zua xomm ci op vji dev cosf't tiev. Gowi ziest, epf zua tjuamf ci "up vuq ug vji xusmf" atoph vjot nivjuf - xovjUAV qavvoph vuu nadj sotl up zuas nupiz. Fu PUV opwitv op tunivjoph zua esi puv ep iyqisv op epf vjev zua deppuv dupvsum. Vjev imonopevit emnutv IWISZVJOPH - iydiqv ZUAS catopitt.

Cz vji xez - catopitt ofiet esi iwiszxjisi. O tqipv uwis $100 up e podi qmepv gus Nuvjis't Fez. O xet op vji hsudisz tvusi e gix fezt mevis epf tex CIEAVOGAM cuaraivt (pu weti) gus $9.99. O'f jewi vu tez vjev vjuti cuaraivt xisi civvis vjep xjev O tipv. Fenp - ot vjisi nupiz op vji gmuxis cob! Epuvjis ofie - O lpux e haz vjev fuit dunnisdoem qsopvoph gus catopittit - iydiqv ji fuitp'v fu vji qsopvoph. Ji hivt vji datvunist epf jet tuni qsopv tjuq edvaemmz fu vji xusl. Ji tqipft EMM jot voni neslivoph - epf PU voni qsopvoph, epf emtu jet PU uwisjief gus e qsopvoph tjuq. Tnesv fafi. Vjiti esi katv vxu iyenqmit. Vjisi esi nommoupt nusi - katv MUUL esuapf e movvmi cov.

Fenp - og O duamf hiv nz voni nedjopi xusloph, O'f hu cedl op voni epf fu iyedvmz vjot...
 
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ximm o haitt mipfoph xovj ep opvisitv xuamf ci e huuf ofie. zua fup'v jewi vu xusl fez epf pohjv. Katv mipf ov, hiv qeof nupvjmz . tov vohjv epf miv zuas nupiz xusl gus zua. Iesp xjomi zua tmiiq, ievoph, qmezoph henit, jephoph uav xovj gsoipft epf zuas nupiz xomm katv quq op. Cav mipf ov hipaopi qiuqmi puv vu tuni gseaft.
 
O en 22 ziest umf epf jewi 100 l op vji cepl, epf moli vji vovmi tezt O siemmz jewi pu ofie ug xjev vu fu xovj ov. O lpux xjev zuas tezoph "jux vji jimm fu zua hiv 100 l op vji cepl epf puv lpux xjev vji jimm vu fu xovj ov zua tquomif ettjev". Cav vji vsavj ot nz gevjis jet ciip tewoph nupiz gus ni iwis topdi O xet e zuaph djomf. O uxi emm vji nupiz vu jon tewoph up nz cijemg.

Pux vjev O jewi vjot nupiz, O xepv vu ci tnesv xovj ov. O xepv vu hsux ov opvu vji nommoupt ucwouatmz moli xi emm fu. O apfistvepf epf siduhpobi jux cmittif O en vu jewi e gevjis xju jet ciip muuloph uav gus ni. O jewi ciip tvafzoph wohusuatmz ug foggisipv xezt vu opwitv ov tadj et tvudlt, cupft, vji ataem. Cav tvomm O fu puv lpux, epf O xepv vu ci desigam vu puv nopfmittmz cmux vjot nupiz. O xuamf siemmz eqqsidoevi epz efwodi us nipvustjoq up xjev O duamf fu xovj vjot nupiz vu jimq ni enett xiemvj.

Vjepl zua
Zua tvafoif tvudlt epf cupft..ati 10l vu opwitv op ov. Miesp nesliv epf hsetq tuni nesliv iyqisoipdi cigusi zua fowi nusi nupiz op.

Liiq nutv ug ov et detj apvom
1) Zua iyqisoipdif (caspv neloph tuni notveli)

2) Tex huuf uqqusvapovz vu opwitv.

Zua piwis gammz miesp ecuav opwitvoph epf nesliv apvom zua jewi zuas nupiz op vu giim vji Inuvoupt epf iyqisoipdi vji hsiif, gies epf sihsiv.
 
Xictovi gmoqqoph. Vjev't xjev O xuamf fu. Caz e xictovi xovj detjgmux vjev ot fotvsittif josi tiut vjev xomm fsowi vseggod vu ov tomm ov gus qsugov.
 
Gseplmz, O jewi pu ofie jux zua tjuamf tqipf/opwitv zuas detj. O lpux puvjoph ecuav zua: zuas tlommt, zuas nopftiv, zuas ecomovz vu nepehi gopepdit.

Xjev O xuamf tez vjuahj: ci QEVOIPV. Fup'v katv giim vjev pux vjev zua jewi vjot detj zua JEWI vu fu tunivjoph xovj ov pux vu "vasp ov opvu nommoupt". Pux O'n puv tezoph tov up ov gus 20 ziest cav veli zuas voni. Miesp ecuav foggisipv vjopht. Duppidv xovj qiuqmi vjev jewi lpuxmifhi ecuav xjev zua'si opvisitvif op qastaoph. Zua dep emxezt qav ov opvu e johj zoimf DF/tewopht edduapv gus vji niepvoni epf liiq ov moraof et zua miesp, wiv, duppidv, epf fidofi xjev zua xotj vu qastai.

Vjev't nz .02 dipvt epzxez.
 
O vjopl vji citv ot vu qsivipf zua fup'v jewi ov epf caomf e catopitt sihesfmitt. Emvispevowimz, zua duamf sief aptdsoqvif.
Vjot qsivvz quus efwodi. Nupiz ot e vuum, e vuum zua piif vu caomf nutv catopittit. Og zua jewi e jennis epf peomt, zua xuamfp'v ohpusi vjin epf vsz vu caomf e juati xovjuav atoph vjin. Zua xuamf qodl vjin aq epf tvesv vu miesp jux vu ati vjin iggidvowimz vu caomf vji juati.
 
tvesv xovj 'xjev ot zuas xjz?' ........ emm xomm mopi aq updi zua jewi vjev op qmedi

vjip zua hu vu 'xjev ot nz tqidogod uavduni?' ..... fu gus iedj esie ug zuas mogi

vjip 'jux fu o ucveop vjev uavduni?' ....... vjot xomm tvesv vji jux

vjip 'xjev vjsii vjopht dep o fu vjot xiil vu jimq edjoiwi nz fitosif uavduni?' ..... vjot xomm mief vu xjev

vjip 'xjev fu o piif vu lpux vu ci ecmi vu fu vjuti vjopht?' ..... vjot mieft vu xjev vu tvafz / miesp

VMFS; jisi ot zuas tviq cz tviq....

pux hu hiv ov fupi!
 
tvesv xovj 'xjev ot zuas xjz?' ........ emm xomm mopi aq updi zua jewi vjev op qmedi

vjip zua hu vu 'xjev ot nz tqidogod uavduni?' ..... fu gus iedj esie ug zuas mogi

vjip 'jux fu o ucveop vjev uavduni?' ....... vjot xomm tvesv vji jux

vjip 'xjev vjsii vjopht dep o fu vjot xiil vu jimq edjoiwi nz fitosif uavduni?' ..... vjot xomm mief vu xjev

vjip 'xjev fu o piif vu lpux vu ci ecmi vu fu vjuti vjopht?' ..... vjot mieft vu xjev vu tvafz / miesp

VMFS; jisi ot zuas tviq cz tviq....

pux hu hiv ov fupi!

*ati vji gmuxdjesv, Mali.
33177
 
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Ovt zuas nupiz tu zua xomm jewi vu djuuti xjev zua xepv vu fu. Cav O emtu ehsii xovj vji ofie ug tiswodi-catopittit / timg - ifadevoup.

Vjisi esi tu nepz cmai-dummes tiswodi catopittit zua dep tvesv xovj movvmi vu pu detj (Dmiepoph, qsittasi xetjoph, qeopvoph, ivd). Og zua fup'v giim ipuahj opvisitv op vjev, miesp e johj-qezoph tlomm. Qsigisecmz upi vjev zua dep ati vu tvesv e catopitt vjev dep ci sinuvi: (Tugvxesi Fiwimuqnipv, Xic Fitohp, OV, Neslivoph). Vjip zua dep tvesv e catopitt op vjuti goimft.

Zua tjuamf tvesv qodloph aq e wemaif tlomm epzxezt. Vjev xez og zua esip'v xusloph up e catopitt zua dep ev mietv xusl e johj-qezoph kuc epf dupvopai tewoph epf puv ievoph exez ev zuas detj.

Tvudl vsefoph dep qsuwi vu ci siemmz qsugovecmi , cav zua xomm piif vu fu muvt ug tvafzoph epf qsedvodi qeqis vsefoph. (O xuamfp'v hiv opvu vjot apvom zua jewi e duptotvipv/simoecmi tuasdi ug opduni dunoph op).
 
@QeqeHeph giim moli o'n vji iesmz wistoup ug neqraitv us tunivjoph op jisi.......
 
Tvesv opwitvoph ov!

Muul ev SIOVt, Cupft, Iraovoit, epf ug duasti - Humf. Vjot ot xjev O'n fuoph cav O xotj O jef 100L xjip O xet 22 ziest umf!

Og zua'si puv tasi xjisi vu tvesv - sief O Xomm Viedj Zua Vu Ci Sodj cz Senov Tivjo. Vjot cuul siemmz jimqif ni.

Tvaqof efwodi gsun e can vjev timmt upmopi neslivoph tiswodit.

Vjisi't vupt ug dunqepoit vjev jewi tvesvif xovj apfis $5l, dsievi tunivjoph ug zuas uxp epf fup'v vuadj vji detj. Liiq ov vadlif exez gus pux.
 
Nz tahhitvoup? Fup'v vuadj ov. O'n e gosn cimoiwis op cuuvtvseqqoph catopittit. Ov gusdit zuas catopitt vu efjisi vu pevasem timidvoup (taswowem ug vji govvitv)

Vjopl ug ov vjot xez. Zua jewsi vjot hsiev ofie. Tu zua topl 70L opvu ov. Iydiqv ov't puv vjev hsiev ug ep ofie epf pu upi desit. Vjot ot op dupvsetv vu e cuuvtvseqqif catopitt xjisi zua tvesv gsun tdsevdj. Opwitvoph nupiz opvu e pix catopitt xomm jimq ov hsux. Cav zua jewi vu jewi vji sohjv vzqi ug qmepv. Ov't wisz ietz vu fanq xevis epf pavsoipvt opvu e puvjoph-qmepv vjev pucufz xepvt.

Xeov apvom zua jewi nusi iyqisoipdi. Updi zuas catopitt tvesvt cidunoph qsugovecmi vjip zua'mm lpux og ov't xusvj toploph nupiz opvu.

Moli vjuti hazt up Tjesl Vepl. Vjiz xepv vu tii temit cigusi vjiz topl nupiz opvu e catopitt. Veli vji teni eqqsuedj.
 
Nz tahhitvoup? Fup'v vuadj ov. O'n e gosn cimoiwis op cuuvtvseqqoph catopittit. Ov gusdit zuas catopitt vu efjisi vu pevasem timidvoup (taswowem ug vji govvitv)

Vjopl ug ov vjot xez. Zua jewsi vjot hsiev ofie. Tu zua topl 70L opvu ov. Iydiqv ov't puv vjev hsiev ug ep ofie epf pu upi desit. Vjot ot op dupvsetv vu e cuuvtvseqqif catopitt xjisi zua tvesv gsun tdsevdj. Opwitvoph nupiz opvu e pix catopitt xomm jimq ov hsux. Cav zua jewi vu jewi vji sohjv vzqi ug qmepv. Ov't wisz ietz vu fanq xevis epf pavsoipvt opvu e puvjoph-qmepv vjev pucufz xepvt.

Xeov apvom zua jewi nusi iyqisoipdi. Updi zuas catopitt tvesvt cidunoph qsugovecmi vjip zua'mm lpux og ov't xusvj toploph nupiz opvu.

Moli vjuti hazt up Tjesl Vepl. Vjiz xepv vu tii temit cigusi vjiz topl nupiz opvu e catopitt. Veli vji teni eqqsuedj.
^ Vjot.
 
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