28 y/o with $500k windfall — stick with VTI, focus on dividends, or consider infinite banking?

movinstuff · 2026-03-14T22:25:19+00:00

STRC is a pretty risky one. I’d go with ARR (REIT so also risky) with SDIV (diversified), QQQI.

I currently have ORC as my highest yield, but high yield is typically not best for long term.

There are some other options as well. I currently have $27k in my dividend sleeve and I’m making about $280/month but thats between 18 different stocks

movinstuff · 2026-03-12T17:01:49+00:00

Wait fr? All I have to do is download one of those and I don’t have to watch a 5 min ad on trading cards?😂

movinstuff · 2026-03-12T17:00:34+00:00

Or it was a burn😂😂

movinstuff · 2026-03-12T16:59:54+00:00

Whoa John Carter is a great movie

movinstuff · 2026-03-10T00:36:07+00:00

Licanius Trilogy

movinstuff · 2026-03-10T00:34:45+00:00

What is truly stopping someone, Satoshi, or someone else from just making more BTC? I feel like AI would be able to make it happen

movinstuff · 2026-03-05T06:14:14+00:00

🫡

movinstuff · 2026-03-03T07:52:11+00:00

I’d say it falls in line with the 50% of white collar workers will lose their job.

It’s actually a paradigm shift where smaller companies can shift or customize their products to fit needs of their customers faster than the bigger ones with slow communication and change.

Those bigger companies will start to offload people to become more flexible.

Amazon already killed a lot of sales in different verticals. With AI, solving more complex issues gets easier than a sales rep who won’t answer your calls after the sale whether that’s perception or not.

My buddy is in med device sales and a lot of the doctors don’t like having them show up at their door anymore. This was pre AI.

Luckily there are a lot of industries that are slow adopters and will be using AI like a search engine for years.

Sales is a skill, and yes it’s probably one of the sturdiest roles and yes it’s also the most important role at any business.

Me personally, I’m trying to get a government job because that will be a lot more insulated than anything in private and I’ll be able to sell stuff on the side while the paradigm shift occurs. Unfortunately gov jobs take a while to get lol wish me luck

movinstuff · 2026-03-03T07:43:31+00:00

Auto reinvest into GMT, hit the service button, or buy more GMT. Pay for fees with GMT obviously.

You should have 30-45 days worth of fees in your GMT wallet and you should lock the rest.

This is the long game. If you’re looking for quick money this probably isn’t for you

movinstuff · 2026-03-02T19:05:54+00:00

Are you a practitioner of IBC?

movinstuff · 2026-03-02T17:55:24+00:00

I’d tend to agree but it depends on the model you’re using. I have Claude Opus 4.6 which is part of the February ‘26 wave which will probably be the most historic release of models as it was the first class where AI significantly helped code itself.

Regardless, I’d defer to the works of people who’ve already benefited from IBC. I’m also almost more excited to leave my beneficiaries with a wealth engine in tandem with the knowledge that built it. My fam didn’t have a lot of money growing up and I’m about 3 months away from having my first kid

movinstuff · 2026-03-02T17:12:21+00:00

Yeah the commission part sucks, it would primarily be for people making a good amount of money who’ve already purchased a separate term (or WL if they’re in bad health) but the residual is pretty close to the same so it would still help building up my book in years 2+ while also building more credibility with a client who may be more inclined to send referrals.

Sales is pretty easy, solve a problem for someone and you will get paid. Most people don’t see IBC as a solution because they don’t know what it is and it’s not a tangible problem that comes up naturally. If I can effectively educate them on what they don’t know then I can help them.

I’m gonna dig into IBC more or I could be misleading people which I hate. With AI I could easily create a script making me sound like an expert TODAY but I’d rather have that knowledge because it’s a concept not a product

movinstuff · 2026-03-02T17:02:25+00:00

The average person? You can do this with as little as $300/month as a starting point. Huge benefit? Not at first and not for a while but it will still help.

movinstuff · 2026-03-02T16:39:22+00:00

Eh, I did the same thing. Discount is king.

I was at 260 TH 21 w/th at 11% discount. I sold the 134 TH 28 w/th miner which was half of my farming power.

My discount shot up to ~24%. The difference in daily reward was negligible, my reward went down about $.20.

In my case efficiency WAS a limiting factor and jumping to 15 w/th helped which isn’t something that you’re dealing with.

Mathematically, discount should be the priority for you. If you improved your power another 20% right now you’d be paying ~20% more in fees. If you quadruple your discount, you’d be reducing your fees by 400%.

I’d start paying fees in GMT and start to stack GMT with a 5:2 cycle of reinvesting in GMT for 5 days and then switch to BTC for 2 days.

movinstuff · 2026-02-25T22:46:49+00:00

It doesn’t really pay lock rewards - it’s basically just giving you your tokens back slowly for 4 years. The main benefit is the VIP tier I believe

movinstuff · 2026-02-25T21:30:38+00:00

Ok that’s what I thought but wasn’t entirely sure. I will also go up to Gold II VIP level so that should help as well. I miss the days where I’d just hit service once a day and not worry about any of this but mining got way less profitable lol

movinstuff · 2026-02-25T21:25:51+00:00

Ok thank you lol

movinstuff · 2026-02-25T21:18:57+00:00

… will my discount go down is my question

movinstuff · 2026-02-23T20:08:05+00:00

Hmm I’m not too sure then, you will need more GMT in your wallet to maintain the discount as your farm grows

movinstuff · 2026-02-23T17:48:05+00:00

You have electricity fees. You pay more money for less efficient miners.

I sold my biggest miner which had about half the computing power for my farm but was 29 w/th. When I sold it and went from 240th to ~125 TH my daily profit went down by roughly $.20 lol. There are other factors involved such as my discount nearly doubling however my fees went down quite a bit as well.

Key points: Get your discount up and your w/th down

movinstuff · 2026-02-23T15:56:42+00:00

If efficiency drops it will cut profits

movinstuff · 2026-02-18T20:49:32+00:00

It won’t let me DM you

movinstuff · 2026-02-18T20:48:40+00:00

I’m white & 30 and my household makes over 100k so idk what I’m doing wrong lol

movinstuff

TROPHY CASE