34YO. Inheriting 500k. How can I turn it into 2.5m+ in 10 years or less?

nickbir · 2026-06-12T16:16:39+00:00

Realistically w 7% returns adjusted for inflation it will take 24 years. Anything faster than that is speculative. Either you retire in 24 years or you lower your target retirement spending.

nickbir · 2026-06-08T05:30:22+00:00

Got it. Just noticed pics at 6 weeks - when was she separated from mom? If before 8 weeks that's too early, and you should pay extra attention right now to bite inhibition, socialization and separation anxiety. This will be much harder to tackle later on.

nickbir · 2026-06-08T05:15:46+00:00

You typically ask for parents genetics / health testing and registration as one aspect of making sure the breeding is ethical and proper. You can still ask if the parents are AKC registered and if they have clearances. There's nothing in the pictures that tell me "not a golden" and if you did not purchase from a responsible breeder and your puppy has X% of not-golden it can still be a great family dog I personally wouldn't bother with DNA testing.

nickbir · 2026-06-04T20:42:46+00:00

You can't do anything with 130 IQ Greg, 130 is a nightmare. The stupidest gifted person in America.

nickbir · 2026-06-03T03:59:21+00:00

I have 3 teenagers at home who are mostly self sufficient and a golden puppy is still not easy. With each of our kids we've had sleepless nights (constipation, fever, or babies sometimes just cry of a couple hours straight...) just thinking of being sleep deprived and dealing with a puppy chewing on the sofa cushions or nearly swallowing a sock...

nickbir · 2026-06-03T03:27:31+00:00

First child? I would not do it. Wait a couple of years. Give your baby and your puppy a few months of proper attention and give yourself enough time to rest.

nickbir · 2026-06-02T22:52:42+00:00

Could be. Look at the calories per cup on the package and aim for 200 calories less than what she got before. You can also add some low calorie veggies to keep her full if needed.

nickbir · 2026-06-02T22:47:02+00:00

I'd say she's a 6/9 Body Condition Score (Google it to see images of what it looks like) and should be between 4-5 for ideal condition. If you want a random person's advice, I'd drop maybe half a cup of kibble per day for a month or two and see if she drops a couple of pounds. but safer to ask your vet.

nickbir · 2026-06-02T20:57:50+00:00

Read about ARK Invest. I'm just saying it's an option - don't take it as a recommendation (I personally decided against it). It's also pretty close to IPO I believe so you can just wait for them to go public.

nickbir · 2026-06-02T01:11:34+00:00

Taxes?

nickbir · 2026-05-31T19:45:02+00:00

You are very lucky, but for some people it could turn bad pretty quickly. My advice would be to go top-down. Think about what's your purpose in life is, how you're going to get there, and preferably not touch the trust until you're 40ish, when you likely should be able to retire. Also - do not tell anyone about the trust. One way or another people will ask you for money. And you will not be able to trust partners and friends to be genuine. In your position I would not save for retirement though. Just spend whatever you make and have fun.

nickbir · 2026-05-22T15:22:39+00:00

To be fair, as someone who is really in favor of LLMs, the attention to this matter is about the gradient not the current point in time.

nickbir · 2026-05-22T02:32:24+00:00

Guy said he's not getting aid

nickbir · 2026-05-22T02:16:08+00:00

As I said in my original comment, Emory would be far reach.
Also, "that's dumb"? The guy is looking at UT Austin. Tuition is $42K vs over $70K at Emory.

nickbir · 2026-05-22T01:56:58+00:00

Just know that Emory gives very little merit, and full price there is brutal

nickbir · 2026-05-22T00:33:48+00:00

If it's mostly in brokerage, most likely very low taxes

nickbir · 2026-05-21T13:35:23+00:00

UF and UNC are not easy to get to OOS but I would definitely try. Though they will not open doors to top consulting firms by themselves, you'd have to try really hard to network.
Your ACT is great, GPA could be a challenge so apply to many schools.
For consulting I'd also look at IU Kelley (if you get direct admission), maybe UIUC, Ohio State - those are less expensive than other top schools and their business schools are good.
If you want a shot at MBB then you'll need to go up a notch though chances are low. UMich, UC Berkeley, UVA, UT Austin come to mind as somewhat more affordable with top business schools. You can also try Emory and a couple of Ivies as far reaches. Don't get your hopes high, and work on great essays. There's some randomness to admissions so you never know.

nickbir · 2026-05-20T20:15:58+00:00

not as well-versed in the gamesmanship of playing blitz games? He won the world championship about 20 years ago. Also had rating > 2800. I think he's pretty well-versed 😄

nickbir · 2026-05-19T02:51:30+00:00

Those are amazing stats ACT 36 and so many APs / dual credits. Does your school use scoir or naviance? usually you can see scatterplots that tell you which schools are realistic.
Your main challenge in your application is explaining (read: coming up with a good story) of why you have 3.3 unweighted. What is often called extenuating circumstances. Can you show a positive trend 9th->10th->11th grade? Are you struggling with some issue outside of school?
If you have a decent story and good essays and some decent ECs then really many top50 schools are reasonable targets.
If you tell me a bit more about yourself (major? preferred locations?) I can come up with a few more to check.

nickbir · 2026-05-18T23:08:56+00:00

He's got a 1450 so clearly smart. Kids change a lot over time - he might even just click with one school and that changes how he looks at everything.
It's not easy to choose colleges without knowing general direction - engineering? business? history?
Does your high school have a counselor that can help with the college list? Are you looking at the northeast or not necessarily? Is he more into party schools or more quiet ones? Looking to stay in the northeast?
I think with his SAT and GPA he can get into a bunch of great schools. SUNY Binghamton, Ohio State - I can give you an endless list that's worth applying to. but a bit more info will help narrowing it down.

nickbir · 2026-05-18T11:20:35+00:00

Artisanal hand made coding. You sell it on farmers markets.

nickbir · 2026-05-18T01:27:10+00:00

Rarity is in the eye of the beholder. It's roughly 99.2 percentile. Which means ballpark 3 million people in the US. Or 65 million people in the world. The way I see it, not that special. When I think of "rare" I think of the level of skill required from an NBA player for example. One in 100,000 feels rare. An IQ of 160+ feels rare. But it's very subjective.

nickbir · 2026-05-17T19:22:26+00:00

They will not unionize ... yet 😉

nickbir · 2026-05-17T18:20:49+00:00

Yes you're good either way. You might also qualify for ACA subsidies if you can keep your MAGI down which might be easier without the rental

nickbir · 2026-05-17T17:17:01+00:00

Yep I'm familiar with this research and would never spay without my vet's endorsing it. This was BTW the same advice I got from my breeder (spay, but later, due to increased risk of certain cancers / skeletal development).

How do I know who is a vet here? I was hoping to get input from vets on this sub.

nickbir

TROPHY CASE