What would you do with a 25 million windfall?

Have a question about your personal investments? No matter how simple or complex, you can ask it here.
Locked
investing1012
Posts: 182
Joined: Sun Aug 07, 2016 5:19 pm

What would you do with a 25 million windfall?

Post by investing1012 » Wed Jan 10, 2018 3:17 pm

What actionable steps would you do with a 25 million windfall? Btw I’ve read the wiki for it and appeeciate the input. Another question is would you continue to work. I dont necessarily love my work but earn pretty decent money (0.5 million per year) and find it satisfying (at times). I did spend 33 years of my life learning the trade to do my work (physician).
Last edited by investing1012 on Wed Jan 10, 2018 3:50 pm, edited 2 times in total.

Jags4186
Posts: 2476
Joined: Wed Jun 18, 2014 7:12 pm

Re: What would you do with a 25 million windfall?

Post by Jags4186 » Wed Jan 10, 2018 3:20 pm

Backflips

H-Town
Posts: 1257
Joined: Sun Feb 26, 2017 2:08 pm

Re: What would you do with a 25 million windfall?

Post by H-Town » Wed Jan 10, 2018 3:20 pm

Invest $25 million with my current allocation. :sharebeer

Daryl
Posts: 443
Joined: Thu May 22, 2008 9:34 am
Location: Malvern, PA (I like to sleep near my money!)

Re: What would you do with a 25 million windfall?

Post by Daryl » Wed Jan 10, 2018 3:21 pm

$24.5M donation to The John C. Bogle Center for Financial Literacy

User avatar
HueyLD
Posts: 6078
Joined: Mon Jan 14, 2008 10:30 am

Re: What would you do with a 25 million windfall?

Post by HueyLD » Wed Jan 10, 2018 3:22 pm

investing1012 wrote:
Wed Jan 10, 2018 3:17 pm
What would you do with a 25 million windfall? Btw I’ve read the wiki for it and appeeciate the input.
Is this a hypothetical question?

bloom2708
Posts: 4803
Joined: Wed Apr 02, 2014 2:08 pm
Location: Fargo, ND

Re: What would you do with a 25 million windfall?

Post by bloom2708 » Wed Jan 10, 2018 3:22 pm

60/40 3 fund portfolio at Vanguard.

Up spending to ~750k/year. Figure out how to be happy. Travel. Work on fitness and hobbies. Help family. Give.
Where to spend your time: | 1. You completely control <--spend your time here! | 2. You partially control <--spend your time here! | 3. You have no control <--spend no time here!

User avatar
Sandtrap
Posts: 5331
Joined: Sat Nov 26, 2016 6:32 pm
Location: Hawaii😀 Northern AZ.😳 Retired.

Re: What would you do with a 25 million windfall?

Post by Sandtrap » Wed Jan 10, 2018 3:25 pm

investing1012 wrote:
Wed Jan 10, 2018 3:17 pm
What would you do with a 25 million windfall? Btw I’ve read the wiki for it and appreciate the input.
(suggest you edit your original post to include: "What actionable steps would you take if you received a 25 mil windfall". Or it will be locked. Information must be something others can learn from and do something about.)

Very Actionably Post:

0. Tell Nobody.
1. Read "Managing a Windfall" on the wiki.
2. Read "All of the Bogle Wiki, getting started, IPS, etc"
3. Read all the recommended books on the forum.
4. Read "From The Grave" and other estate trust info and establish a revocable trust.
5. Put Umbrella Insurance in place.
6. Pay off all debt. Take on no new debt.
7. Continue employment if I am employed. . . for now.
8. Diversify investments and income streams by doing the following:
. . . . . a) Post my investment portfolio proposition to the forum for review, then act.
. . . . . b) Bogle 3 fund portfolio. Reinvest all dividends and interest for now. DCA or lump sum.
. . . . . c) Research and wisely buy "non leverage" R/E income property, specifically multi unit housing (apartment building).
. . . . .d) Max out 401k, IRA, and other (non tax space) contributions yearly.
9. Consult with a CPA and Tax Attorney to keep tax liabilities to a min.
10. Continue to do portfolio updates and review on the forum to seek guidance from those more knowledgeable and experienced.
11. Tell nobody.
12. Read "Life Code" by Dr. Phil. to avoid personal black swans.
13. Repeat #10 and #11. Repeat. Repeat.

j :D
Last edited by Sandtrap on Wed Jan 10, 2018 3:32 pm, edited 5 times in total.

Olemiss540
Posts: 567
Joined: Fri Aug 18, 2017 8:46 pm

Re: What would you do with a 25 million windfall?

Post by Olemiss540 » Wed Jan 10, 2018 3:26 pm

URGENT: Is this $25 Million pre-tax or post-tax? My answers change dramatically depending on your response. Thanks in advance,
I hold index funds because I do not overestimate my ability to pick stocks OR stock pickers.

User avatar
Hayden
Posts: 1159
Joined: Tue Apr 16, 2013 5:13 pm

Re: What would you do with a 25 million windfall?

Post by Hayden » Wed Jan 10, 2018 3:29 pm

I would follow my IPS, in other words, no changes from what I am doing now.

If I inherited that sum and had not spent years reading bogleheads and various books and articles, it would be different.

Mrxyz
Posts: 595
Joined: Wed Feb 29, 2012 6:12 am

Re: What would you do with a 25 million windfall?

Post by Mrxyz » Wed Jan 10, 2018 3:30 pm

investing1012 wrote:
Wed Jan 10, 2018 3:17 pm
What would you do with a 25 million windfall? Btw I’ve read the wiki for it and appeeciate the input.
Hi,
You may to format your question with more specifics like why are you asking, what is your background financial status -debts, net worth, life goals, bucket list, etc? Also, would help if you plan to donate some of it and if so, what are your preferred recipients? BTW, highly recommend you give some money to this forum.
If you are asking a hypothetical question about what to do if you win a 25 M lottery then this is, perhaps, the wrong forum.
Wish you all the best either way!

User avatar
queso
Posts: 613
Joined: Thu Jan 07, 2016 3:52 pm

Re: What would you do with a 25 million windfall?

Post by queso » Wed Jan 10, 2018 3:41 pm

2 chicks at onc...oh wait, nevermind. Probably stuff like this:

Image

MotoTrojan
Posts: 2289
Joined: Wed Feb 01, 2017 8:39 pm

Re: What would you do with a 25 million windfall?

Post by MotoTrojan » Wed Jan 10, 2018 3:44 pm

thangngo wrote:
Wed Jan 10, 2018 3:20 pm
Invest $25 million with my current allocation. :sharebeer
This would be an interesting thought for me. My current AA is 100% equity, with a US & Small-value tilt.

Even if half was lost to taxes, and I only lived off a 1% withdrawal rate, I could easily quit my job and let it ride, but I doubt I would do such a thing (keep the AA, I may take a break from work). Given I am 26 years old, I may do something like 70/30, and continue to work while it grows, and occasionally withdraw if I have a big expense (charity, vacation, helping family).

I'd probably pay off the parent's mortgage, but beyond that I wouldn't tell a soul or do any personal charity (giving to individuals).

User avatar
DanMahowny
Posts: 517
Joined: Sun Aug 06, 2017 8:25 pm

Re: What would you do with a 25 million windfall?

Post by DanMahowny » Wed Jan 10, 2018 3:48 pm

Buy short term treasuries.

Withdraw 4% per year.

Enjoy life. (doing that now, but with much less $$)
Funding secured

Cheyenne
Posts: 420
Joined: Sun Jun 14, 2015 6:46 am

Re: What would you do with a 25 million windfall?

Post by Cheyenne » Wed Jan 10, 2018 3:49 pm

Buy $5 mil in SPIA's (just in case) and try to live longer.

investing1012
Posts: 182
Joined: Sun Aug 07, 2016 5:19 pm

Re: What would you do with a 25 million windfall?

Post by investing1012 » Wed Jan 10, 2018 3:51 pm

Olemiss540 wrote:
Wed Jan 10, 2018 3:26 pm
URGENT: Is this $25 Million pre-tax or post-tax? My answers change dramatically depending on your response. Thanks in advance,
pre-tax.

User avatar
Conch55
Posts: 172
Joined: Tue Mar 01, 2016 11:03 am

Re: What would you do with a 25 million windfall?

Post by Conch55 » Wed Jan 10, 2018 3:52 pm

Continue to live my retired life but perhaps at a higher level of comfort
Travel more with no reservations, figuratively of course
Give some to livesoft, because he occasionally asks :happy
Not change my IPS other than to plan for a more generous estate
That's about it

investing1012
Posts: 182
Joined: Sun Aug 07, 2016 5:19 pm

Re: What would you do with a 25 million windfall?

Post by investing1012 » Wed Jan 10, 2018 3:53 pm

queso wrote:
Wed Jan 10, 2018 3:41 pm
2 chicks at onc...oh wait, nevermind. Probably stuff like this:

Image
This one made me LOL

Jack FFR1846
Posts: 7808
Joined: Tue Dec 31, 2013 7:05 am

Re: What would you do with a 25 million windfall?

Post by Jack FFR1846 » Wed Jan 10, 2018 3:54 pm

I'd pay a dealer to do the timing belt in our Subaru instead of buying the belt, and associated parts and doing it myself.

I think I'd have some money left over.....
Bogle: Smart Beta is stupid

letsgobobby
Posts: 11592
Joined: Fri Sep 18, 2009 1:10 am

Re: What would you do with a 25 million windfall?

Post by letsgobobby » Wed Jan 10, 2018 3:57 pm

thangngo wrote:
Wed Jan 10, 2018 3:20 pm
Invest $25 million with my current allocation. :sharebeer
You don't think your need to take risk might have changed with a windfall equal to fifty times your annual salary?

User avatar
LiveSimple
Posts: 1067
Joined: Thu Jan 03, 2013 7:55 am

Re: What would you do with a 25 million windfall?

Post by LiveSimple » Wed Jan 10, 2018 3:57 pm

Invest
Travel
Help Charities or Volunteer
See how you can be helpful to the underprivileged

Or Invest and Relax !!!!

investing1012
Posts: 182
Joined: Sun Aug 07, 2016 5:19 pm

Re: What would you do with a 25 million windfall?

Post by investing1012 » Wed Jan 10, 2018 4:00 pm

letsgobobby wrote:
Wed Jan 10, 2018 3:57 pm
thangngo wrote:
Wed Jan 10, 2018 3:20 pm
Invest $25 million with my current allocation. :sharebeer
You don't think your need to take risk might have changed with a windfall equal to fifty times your annual salary?
Definitely true as a physician a big risk to me is simply working and having to deal with a malpractice lawsuit.

DrGoogle2017
Posts: 1322
Joined: Mon Aug 14, 2017 12:31 pm

Re: What would you do with a 25 million windfall?

Post by DrGoogle2017 » Wed Jan 10, 2018 4:02 pm

I would definitely spend some. Invest half in the stock market and half in CDs. Worry less, spend more mentality.

ThePrince
Posts: 350
Joined: Sun Aug 20, 2017 9:15 pm
Location: U.S.A.

Re: What would you do with a 25 million windfall?

Post by ThePrince » Wed Jan 10, 2018 4:08 pm

Jags4186 wrote:
Wed Jan 10, 2018 3:20 pm
Backflips
+1

jebmke
Posts: 8370
Joined: Thu Apr 05, 2007 2:44 pm

Re: What would you do with a 25 million windfall?

Post by jebmke » Wed Jan 10, 2018 4:12 pm

Give it away.
When you discover that you are riding a dead horse, the best strategy is to dismount.

User avatar
DaftInvestor
Posts: 4057
Joined: Wed Feb 19, 2014 10:11 am

Re: What would you do with a 25 million windfall?

Post by DaftInvestor » Wed Jan 10, 2018 4:16 pm

I recently came across a $4M house I wouldn't mind buying. I'd probably buy a nicer house and invest the rest with a withdrawl strategy that allows me to comfortably travel/vacation the rest of my life in addition to charitable giving.
For the house - I wouldn't necessarily buy something on the market - and I don't really need a $4M house. I have seen $500K houses in the right areas that have suited my needs (similar to what I own today). I might look for a house that is similar to what I have today that abuts a nice hiking trail and buy it - I don't care if its on the market or not - I'd ring the bell and make an offer:
Ding-dong (doorbell of the house I want to buy that isn't on the market, resident answers).
ME: "Your house is currently valued at $500K - I'll give you $800K - interested?"
HOMEOWNER: "Are you serious? Yes - I'm interested"
ME: "Okay - I will bump the offer up to $850K but you have to be moved out by tomorrow morning so start packing. Provided your out in the morning I'll write you a check".

inbox788
Posts: 5528
Joined: Thu Mar 15, 2012 5:24 pm

Re: What would you do with a 25 million windfall?

Post by inbox788 » Wed Jan 10, 2018 4:18 pm

investing1012 wrote:
Wed Jan 10, 2018 3:51 pm
Olemiss540 wrote:
Wed Jan 10, 2018 3:26 pm
URGENT: Is this $25 Million pre-tax or post-tax? My answers change dramatically depending on your response. Thanks in advance,
pre-tax.
Oh, that changes everything. Begin with cutting the cable and getting a prepaid phone.
Jack FFR1846 wrote:
Wed Jan 10, 2018 3:54 pm
I'd pay a dealer to do the timing belt in our Subaru instead of buying the belt, and associated parts and doing it myself.

I think I'd have some money left over.....
I'd buy my own garage so I could do it myself and not have to visit the dealer!

Seriously, if you had that much money, you can do whatever the fun you want.
Last edited by inbox788 on Wed Jan 10, 2018 4:19 pm, edited 1 time in total.

chicagoan23
Posts: 299
Joined: Thu Jan 29, 2015 4:34 pm

Re: What would you do with a 25 million windfall?

Post by chicagoan23 » Wed Jan 10, 2018 4:18 pm

investing1012 wrote:
Wed Jan 10, 2018 3:17 pm
What actionable steps would you do with a 25 million windfall? Btw I’ve read the wiki for it and appeeciate the input. Another question is would you continue to work. I dont necessarily love my work but earn pretty decent money (0.5 million per year) and find it satisfying (at times). I did spend 33 years of my life learning the trade to do my work (physician).
I'd do everything I could to avoid the estate tax taking 40%.

Golf maniac
Posts: 118
Joined: Wed Dec 27, 2017 2:02 pm
Location: Charlotte NC

Re: What would you do with a 25 million windfall?

Post by Golf maniac » Wed Jan 10, 2018 4:19 pm

This is post tax, I don’t need retirement income or investments so for me:
1. Donate 20%;
2. Help family members 20%
3. Buy dream home 10%
4. Travel 10% (places I still want to go to)
5. Cars 5% (a few old cars I would like to own)
6. Golf 5% (that’s right, Golf, several courses I still need to play, want to play in all 50 states)
7. Invest in kids 10% (college, businesses,etc.)
8. Invest for fun 20% (micro businesses, entrepreneurs, etc)

EnjoyIt
Posts: 1584
Joined: Sun Dec 29, 2013 8:06 pm

Re: What would you do with a 25 million windfall?

Post by EnjoyIt » Wed Jan 10, 2018 4:23 pm

As a physician I would still work but part time. Maybe 2 days a week with 1 week off.

User avatar
BrandonBogle
Posts: 2097
Joined: Mon Jan 28, 2013 11:19 pm

Re: What would you do with a 25 million windfall?

Post by BrandonBogle » Wed Jan 10, 2018 4:27 pm

investing1012 wrote:
Wed Jan 10, 2018 4:00 pm
letsgobobby wrote:
Wed Jan 10, 2018 3:57 pm
thangngo wrote:
Wed Jan 10, 2018 3:20 pm
Invest $25 million with my current allocation. :sharebeer
You don't think your need to take risk might have changed with a windfall equal to fifty times your annual salary?
Definitely true as a physician a big risk to me is simply working and having to deal with a malpractice lawsuit.
While the above is very true, I would almost go with this, at first:
Sandtrap wrote:
Wed Jan 10, 2018 3:25 pm
<snip (but all good points)>
7. Continue employment if I am employed. . . for now.
<snip (but also good points)>
Emphasis on "for now" from me. I saw this b/c of a few reasons:
A. Maybe you have some advantages being employed to move some of these funds into more favorable tax treatment (Op later said the funds are pre-tax).
B. Ease into the lifestyle you want with the windfall rather than rush into decisions and spending
C. Find out how much you truly enjoy what you are doing and if things pop up where you think "I'd rather do this or that", then go and do them instead.

User avatar
aj76er
Posts: 585
Joined: Tue Dec 01, 2015 11:34 pm
Location: Portland, OR

Re: What would you do with a 25 million windfall?

Post by aj76er » Wed Jan 10, 2018 4:28 pm

Vanguard tax-managed balanced fund. Live off the dividends+interest. Put my existing 401k into a target date fund with the plan of converting to an annuity later in life or donating to charities (via QCD withdrawals). Put existing Roth into total world stock fund with the plan of donating or passing on to heirs.

Quit working and start traveling, exercising more, sleeping in and cooking more, and more eating out at high end restaurants. At some point, Id probably buy a few residences (condos) in different parts of the country that I liked.

Eventually, I'd have to come up with a plan to give away the extra $$ that goes unused :D
"Buy-and-hold, long-term, all-market-index strategies, implemented at rock-bottom cost, are the surest of all routes to the accumulation of wealth" - John C. Bogle

User avatar
randomizer
Posts: 1523
Joined: Sun Jul 06, 2014 3:46 pm

Re: What would you do with a 25 million windfall?

Post by randomizer » Wed Jan 10, 2018 4:30 pm

Stick to my IPS, start a small business, and ramp up my charitable giving.
87.5:12.5, EM tilt — HODL the course!

H-Town
Posts: 1257
Joined: Sun Feb 26, 2017 2:08 pm

Re: What would you do with a 25 million windfall?

Post by H-Town » Wed Jan 10, 2018 4:32 pm

letsgobobby wrote:
Wed Jan 10, 2018 3:57 pm
thangngo wrote:
Wed Jan 10, 2018 3:20 pm
Invest $25 million with my current allocation. :sharebeer
You don't think your need to take risk might have changed with a windfall equal to fifty times your annual salary?
My current allocation is appropriate for my age (in accumulation phase) and my longer goals. I don't like to change it just because I got $25 million windfall. I'd just put $25 million in 70/30 portfolio and let it grow. It might grow to $2 billion when I retire. I'll find great use of it for the community and younger generation.

User avatar
5th_Dimension
Posts: 83
Joined: Mon Jul 11, 2016 1:05 am

Re: What would you do with a 25 million windfall?

Post by 5th_Dimension » Wed Jan 10, 2018 4:34 pm

Step 1. Buy a Tesla.

Step 2. Drive around in the Tesla trying to decide what to do with the rest of the money. :happy
"My idea of rich is ordering the most expensive thing at Denny's"

John Laurens
Posts: 384
Joined: Mon Nov 14, 2016 7:31 pm

Re: What would you do with a 25 million windfall?

Post by John Laurens » Wed Jan 10, 2018 4:34 pm

How did it take 33 years to learn your trade (physician)?

If that’s your age, is my snot nosed nephew 60% doctor?

Regards,
John

hightower
Posts: 510
Joined: Mon Dec 12, 2016 2:28 am

Re: What would you do with a 25 million windfall?

Post by hightower » Wed Jan 10, 2018 4:36 pm

Pay off my last remaining debt (mortgage, student loans)
Buy a small vacation home in Hawaii (probably Kauai, I'm thinking Hanalei), I would keep it under 1 million for sure. Not going crazy here. I still would want to live below my means. I would rent it out when we're not living in it.
Invest the rest according to my current asset allocation
Quit my job
Do whatever the heck I feel like for the rest of my life

Thanks for the fun thoughts!

User avatar
KSOC
Posts: 308
Joined: Sat Oct 29, 2016 3:53 pm
Location: Central Florida

Re: What would you do with a 25 million windfall?

Post by KSOC » Wed Jan 10, 2018 4:37 pm

Jags4186 wrote:
Wed Jan 10, 2018 3:20 pm
Backflips
First thought was run nekkid down the street.
Too soon old, too late smart.

investing1012
Posts: 182
Joined: Sun Aug 07, 2016 5:19 pm

Re: What would you do with a 25 million windfall?

Post by investing1012 » Wed Jan 10, 2018 4:49 pm

John Laurens wrote:
Wed Jan 10, 2018 4:34 pm
How did it take 33 years to learn your trade (physician)?

If that’s your age, is my snot nosed nephew 60% doctor?

Regards,
John
Lol it’s the number of years i went to school

investing1012
Posts: 182
Joined: Sun Aug 07, 2016 5:19 pm

Re: What would you do with a 25 million windfall?

Post by investing1012 » Wed Jan 10, 2018 4:53 pm

5th_Dimension wrote:
Wed Jan 10, 2018 4:34 pm
Step 1. Buy a Tesla.

Step 2. Drive around in the Tesla trying to decide what to do with the rest of the money. :happy
Already own a Tesla (paid off) and love it

moghopper
Posts: 123
Joined: Fri Oct 18, 2013 10:07 am

Re: What would you do with a 25 million windfall?

Post by moghopper » Wed Jan 10, 2018 4:58 pm

Daryl wrote:
Wed Jan 10, 2018 3:21 pm
$24.5M donation to The John C. Bogle Center for Financial Literacy
Oddly enough, I was just thinking about changing my name to this. :D

User avatar
Tamarind
Posts: 1148
Joined: Mon Nov 02, 2015 2:38 pm

Re: What would you do with a 25 million windfall?

Post by Tamarind » Wed Jan 10, 2018 4:59 pm

I would:

-set up some more charitable giving
-go ahead and do a $150k reno on my $230k house which will never pay for itself but which would bring me increased enjoyment of the space
-pay off my mortgage and never have debt again
-leave my 9-5 and switch to contract work immediately now I'm not worried about income stability, so I could take more interesting short jobs
-fiancee could stop working overtime
-travel 1 or 2 months out of the year
-work with a personal trainer
-invest according to my AA

It wouldn't take $25M to get me there though. $2M post-tax would do the trick.

lhl12
Posts: 613
Joined: Mon May 27, 2013 8:24 am

Re: What would you do with a 25 million windfall?

Post by lhl12 » Wed Jan 10, 2018 5:16 pm

I would contribute the maximum deductible amount either to a newly formed private foundation or to a Donor-Advised Fund. I believe the limit is 20% of AGI but you should confirm this with an accountant.

That will give you the largest possible charitable deduction without having to actually give the money away until you're ready, perhaps many years down the road.

livesoft
Posts: 62716
Joined: Thu Mar 01, 2007 8:00 pm

Re: What would you do with a 25 million windfall?

Post by livesoft » Wed Jan 10, 2018 5:18 pm

I'd endow some fellowships at some of the places that I have worked at.
Last edited by livesoft on Wed Jan 10, 2018 5:24 pm, edited 1 time in total.
Wiki This signature message sponsored by sscritic: Learn to fish.

my2swedes
Posts: 17
Joined: Wed Aug 20, 2014 3:36 pm

Re: What would you do with a 25 million windfall?

Post by my2swedes » Wed Jan 10, 2018 5:20 pm

Is any of it in a trust that provides creditor protection, or did you inherit it all outside of a trust? What will remain after estate tax?

itstoomuch
Posts: 5343
Joined: Mon Dec 15, 2014 12:17 pm
Location: midValley OR

Re: What would you do with a 25 million windfall?

Post by itstoomuch » Wed Jan 10, 2018 5:27 pm

Seek out other people who have or control >$10<$50 million .
Rev012718; 4 Incm stream buckets: SS+pension; dfr'd GLWB VA & FI anntys, by time & $$ laddered; Discretionary; Rentals. LTCi. Own, not asset. Tax TBT%. Early SS. FundRatio (FR) >1.1 67/70yo

LiterallyIronic
Posts: 801
Joined: Sat Dec 05, 2015 10:36 am

Re: What would you do with a 25 million windfall?

Post by LiterallyIronic » Wed Jan 10, 2018 5:37 pm

1. Retire immediately.
2. See tax advisor.
3. Buy better house and sell current one (for far below market value to a sibling in need).
4. Buy a DeLorean.
5. Sight-see in Europe.

Same things I'd do with a much, much smaller windfall (except #3).

bearcub
Posts: 873
Joined: Sat Mar 08, 2008 7:54 am
Location: Twilight Zone

Re: What would you do with a 25 million windfall?

Post by bearcub » Wed Jan 10, 2018 5:38 pm

Get rid of the doughnut in the trunk of my car + buy a real spare tire.

User avatar
LadyGeek
Site Admin
Posts: 48091
Joined: Sat Dec 20, 2008 5:34 pm
Location: Philadelphia
Contact:

Re: What would you do with a 25 million windfall?

Post by LadyGeek » Wed Jan 10, 2018 5:39 pm

This thread has run its course and is locked (not personal nor actionable). General comment threads are off topic in the forums with "Personal" in the title. See: A reminder that non-investing general comment threads are OT
- It must be personal. In other words, you must be asking about your own situation. You can also ask on behalf of someone specific, such as a family member.

- It must be actionable. You must be able to do something specific with the replies that will make a difference in your situation.
If you have a specific question, please ask directly and provide sufficient information for members to supply appropriate advice.
Wiki To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.

Locked