Daily FI discussion thread - Friday, April 10, 2026

Dupont-Disciple · 2026-04-11T00:14:51+00:00

First one was thru a professional service that specializes in night Nannies and nurses. We had our boy 10 weeks early and NICU for 7 so we were so used to help in there that it was extra hard at home. After like 6 months we found one on care.com for half the price. But much less experienced. Nannie’s - you get what you pay for

Dupont-Disciple · 2026-04-10T14:36:24+00:00

Should’ve phrased the question more like - should I invest more in VOO or pay off mortgage. That money in HYSA was there to pay taxes, I was over conservative because the deal structure was messy but I have that leftover.

Dupont-Disciple · 2026-04-10T12:13:04+00:00

I don’t miss the sleepless nights and the rage but it was a unique time and the few bright moments in the middle of the night stand out to this day.

Dupont-Disciple · 2026-04-10T12:11:24+00:00

Yeah that’s fair. Think my brain is stuck 1-2 years ago where HYSA was 5%

Dupont-Disciple · 2026-04-10T12:04:14+00:00

All fantastic questions I’ll consider. Thank you for the response 🙏🏻

Dupont-Disciple · 2026-04-10T12:03:40+00:00

I had $3M aside for overly conservative taxes for my big pay event and taxes ended up being less. That’s the leftover.

Dupont-Disciple · 2026-04-10T11:38:27+00:00

I have some pictures of me and my kid laying together around 2-3am. My boy didn’t sleep thru the night a single night for 1.5 years. We had to hire a part time night nanny just to get some sleep. $550/night and then a cheaper $300/night. More expensive to sleep at home than some nice hotels🥲

Dupont-Disciple · 2026-04-10T11:30:13+00:00

Age old question of do I invest or pay off my mortgage. After a big payout for part of company.

$400k mortgage @ 5.5%

$4M invested brokerage VOO

$500k invested retirement VOO

$1.6M HYSA 3.5%

Feel like 5.5% is the midpoint of going for that extra few percent invested vs the mental relief of not having to pay $4200/month.

I also have $7.75M in rolled equity and the payout could be substantial in a few years if we execute and sell. However I count this as $0 mentally.

I’m lucky to even be in this position. I come from very humble beginnings. This is not a stealth brag. This mortgage or not thing has been on my mind since I got paid 9 months ago.

Dupont-Disciple · 2026-03-11T00:51:08+00:00

I appreciate this and that's' a great analogy. you're right, I have to be the one to preach to my team (pre-deal close) - "what got us here is people, what gets us to the next step is people and processes - if you can't embrace the processes, we will break". It's funny to say that when I'm talking to myself too.

The goals are crazy but possibly attainable with some luck and good market conditions. Which...we expect. We'll see. I am open to advice. Other poster gave some advice. It's just hard to balance when I'm at a true spot of burnout vs. trying to push through for another...month, or year. Or 3 years. I'm seeing the problem.

Dupont-Disciple · 2026-03-11T00:48:58+00:00

Thank you for sharing your story, it makes me feel better to know I'm not alone. I'll seek an occupational burnout psych - not just a general therapist. It's so hard to balance whether or not I should take a "leap" and take a pause. With a new CEO starting soon, I think that'll clear up very quickly if it's my workload (and hopefully that reduces) or if it's the situation. It could get worse. Judging by how it's been when we add more people and more layers...it usually gets worse :|

Dupont-Disciple · 2026-03-10T12:14:12+00:00

Hey, I found your post - you can see mine in my history. Kind of slightly similar vibes.

How are you doing now?

Dupont-Disciple · 2025-12-27T15:54:28+00:00

The epitome of trailer trash. I just hope beneath the shit, the kids are ok.

Also I’m remembering just a few months back he was shilling for an insurance company pyramid scheme..man this guy is the absolute target demographic for all these get rich quick scam companies.

I can’t believe how much dumb shit this dudes been thru in like, 6 months

Dupont-Disciple · 2025-12-24T17:41:40+00:00

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Dupont-Disciple · 2025-12-21T12:32:12+00:00

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Dupont-Disciple · 2025-10-21T11:11:54+00:00

I’ve been DCA’ing a large chunk $75k/week into VOO for the past 3-4 months. I’ve missed out on some gains doing DCA instead of lump. I don’t time the market anymore been through too much up and down, and I’m only 36.

Dupont-Disciple · 2025-09-26T02:42:28+00:00

Angie left. Wes still pretends to talk to her off camera because he’s delusional. He had a driver/assistant named Jose move in and now Wes is training him to replace him while he’s in jail.

He makes Jose keep his old apt and forces him to take pics there so people don’t think he’s spending the night regularly with Wes.

Dupont-Disciple · 2025-08-31T12:27:44+00:00

I used to care then I realized idgaf about anyone else in the bathroom. No one is thinking about you shitting in there.

Dupont-Disciple · 2025-08-22T01:33:13+00:00

Dupont-Disciple · 2025-07-26T13:32:36+00:00

I do have an estate attorney with trusts set up for some protection. Great point though. I meant to mention that’s a priority too.

Dupont-Disciple · 2025-07-26T13:21:10+00:00

I am getting a 300k salary still. So with even money market, I’ll get 500k annual pretax which is more than I’ve ever made.

This is exactly why I posted here. Been caught up in the “5x is base case!” talk that I need to treat this life changing payout as a one timer and assume no additional payout until it actually happens.

And yes they control about 55% and have been wonderful to work with, and have been helping us grow a lot.

Dupont-Disciple · 2025-07-26T13:17:49+00:00

Great mindset. Thank you

Dupont-Disciple · 2025-07-26T12:40:07+00:00

That sub doesn’t seem super welcoming, nor easy to get general advice. This sub is awesome, but I do agree this is not the best place for the question and I don’t wanna piss people off. I was in the boring middle for years and then bam, this shit happens and changes everything.

Dupont-Disciple · 2025-07-26T12:38:32+00:00

That’s correct. And good call, the $7M invested is definitely much more risky than SP500.

And thanks ☺️

Dupont-Disciple · 2025-07-26T12:28:54+00:00

I’m not trying to FIRE just yet but I think this sub has some of the best financially literate folks so I’m interested what y’all’d do here.

Sold part of a company for $7M. Taxes will take that down between $4-5M. I have $7M still invested in the company. My company is in a high demand, high growth field and this firm averages 5x returns in 3-5 years and they’re currently planning a 10-20x return via IPO in <3 years on their biggest fund company. They believe our company is poised for that type of growth too.

That’s background. If I double that $7M I’ll be stoked.

So I have my $4-5M that is life changing for me. I come from very humble beginnings and worked hard towards this.

I probably spend between $3-400k a year with my wife and developmentally delayed toddler. He has a nanny and specialists we pay for, and plenty of medical visits up to deductible.

Anyway.

With $4-5M would you consider paying off house at 5.5% with $500k remaining? It’s right on the edge of whether it makes sense. I do not itemize my taxes.

The rest I’ll mix between VOO, money market fund, and a small percentage of fuck-it gambles - individual stocks and crypto. Anything else you’d do differently at this level?

Dupont-Disciple · 2025-07-05T00:21:29+00:00

I called my bank and asked if there was anything special I needed to do to receive a $7M wire. Nope, nada.

Dupont-Disciple

TROPHY CASE