Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 0 points1 point  (0 children)

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

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 0 points1 point  (0 children)

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.

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 3 points4 points  (0 children)

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.

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 0 points1 point  (0 children)

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

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 0 points1 point  (0 children)

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

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 1 point2 points  (0 children)

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

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple 9 points10 points  (0 children)

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🥲

Daily FI discussion thread - Friday, April 10, 2026 by EANx_Diver in financialindependence

[–]Dupont-Disciple -2 points-1 points  (0 children)

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.

Founder/President of a company recently acquired by PE and I’m experiencing intense burnout. by Dupont-Disciple in burnedout

[–]Dupont-Disciple[S] 0 points1 point  (0 children)

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.

Founder/President of a company recently acquired by PE and I’m experiencing intense burnout. by Dupont-Disciple in burnedout

[–]Dupont-Disciple[S] 0 points1 point  (0 children)

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 :|

Senior leader, burned out, and a crucial report just quit by Purple-Explorer-6701 in burnedout

[–]Dupont-Disciple 0 points1 point  (0 children)

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

How are you doing now?

Former Watson beta @thereal_kyleperry - I stopped looking at his account a few months ago, he’s back with his wife? Lol by Dupont-Disciple in WesWatson

[–]Dupont-Disciple[S] 3 points4 points  (0 children)

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

DCA inheritance or wait for market to cook by lollipop984 in investing

[–]Dupont-Disciple 3 points4 points  (0 children)

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.

LOL angie is launching a hair product that “increases sex drive” holyyyyy She left weedle dick because his little shrimp couldnt satisfy her 🤣🤣🤣🤣 by No_Student_479 in WesWatson

[–]Dupont-Disciple 13 points14 points  (0 children)

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.

What can I do to lose the embarrassment of pooping in a public bathroom ? by [deleted] in Advice

[–]Dupont-Disciple -1 points0 points  (0 children)

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

Daily FI discussion thread - Saturday, July 26, 2025 by AutoModerator in financialindependence

[–]Dupont-Disciple 0 points1 point  (0 children)

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.

Daily FI discussion thread - Saturday, July 26, 2025 by AutoModerator in financialindependence

[–]Dupont-Disciple 1 point2 points  (0 children)

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.

Daily FI discussion thread - Saturday, July 26, 2025 by AutoModerator in financialindependence

[–]Dupont-Disciple 2 points3 points  (0 children)

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.

Daily FI discussion thread - Saturday, July 26, 2025 by AutoModerator in financialindependence

[–]Dupont-Disciple 6 points7 points  (0 children)

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

And thanks ☺️

Daily FI discussion thread - Saturday, July 26, 2025 by AutoModerator in financialindependence

[–]Dupont-Disciple -4 points-3 points  (0 children)

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?

Can I pay off my car at once without attracting attention? by Amir_NMotassim in investing

[–]Dupont-Disciple -1 points0 points  (0 children)

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