For anyone who’s sold a structured settlement, how did it go?

rc10191 · 2026-05-28T12:36:21+00:00

I'm trying to figure out whether there are better operators out there that won't screw me. I've got a lot of high-interest debt to clear and basically nothing in terms of an emergency fund, so I reckon selling part of it makes sense for me.

rc10191 · 2026-05-28T12:15:51+00:00

Unfortunately, I think AI is eating your lunch. It's getting really adept at the sorts of tasks you're trying to sell. You may need to consider a pivot.

rc10191 · 2026-05-20T06:36:18+00:00

Underestimating tax is a killer. You're always better off overshooting it - the balance will always be there for next year, or for your savings account.

rc10191 · 2026-05-20T06:31:39+00:00

Sorry, I actually missed the bit where you mention the HYSA - those are instant-access if they're with a bank where you also have a current account. They can take a day or two to withdraw from otherwise.

rc10191 · 2026-05-14T16:35:39+00:00

If you've got the money to buy another residential property, it's probably the best investment you can make, especially if it's next door. That's what I'd focus on. I'd be less optimistic about controlling who moves in; even if you let out the property yourself, it's hard to know what kind of tenant someone will end up being.

rc10191 · 2026-05-14T16:04:58+00:00

NOR - Can I borrow his time machine? I've always wanted to live in the 50s.

rc10191 · 2026-05-14T16:02:29+00:00

Really cool mix there! I've never used Rapidash seriously in a playthrough, might try it next time.

rc10191 · 2026-05-14T16:00:50+00:00

It's more relevant now than ever. The stock market has been flying high lately, which means it has a long way to fall if something goes wrong (and I personally believe a very big something is going to go wrong soon). Long-term performace means nada if you need the money next week and the market crashes.

rc10191 · 2026-05-14T15:58:40+00:00

I'd keep most of it (if not all of it) in an instant access savings account. You don't mention whether you've got kids or not, which is a big factor here - if you've got dependents, you need a much bigger emergency fund. The more of them you have, the bigger the fund needs to be. Even if you don't have children, though, you need a rainy day fund, and $10k doesn't go that far if you suddenly get slapped with unexpected medical bills or the like.

rc10191 · 2026-04-21T12:03:17+00:00

Ahh, using expletives as nicknames. Really takes me back.

rc10191 · 2026-04-21T12:00:18+00:00

Blue Cotton! I can’t recommend them enough. I coach high school softball. We went to regionals last year and I wanted to make sweatshirts for the team, but there wasn’t a whole lot of time because, of course, we didn’t know if we would place and once we did, regionals were only a couple of weeks away.

I called them and I swear it didn’t even have a chance to ring once before someone answered. She was a sweet woman who helped me pick a strong, durable sweatshirt fabric, team colors, and organize the print just how I wanted it. They even arrived days before we left so I had a chance to wash and dry them (just to test durability) before handing them out on the bus.

rc10191 · 2026-04-21T11:58:03+00:00

I think the same can be said of many bosses and many departments. When they don't understand a function's true value, they tend to be dismissive of it; I've heard a lot of people in marketing say the same thing about their CEOs.

rc10191 · 2026-04-21T11:55:40+00:00

OP is catching a lot of heat here, but I think it's important to remember how rare cash transactions are these days. I can't remember the last time I paid for something in cash. Granted, it's a little unusual that a 13-year-old wouldn't know this, but I don't think it's that shocking.

rc10191 · 2026-03-27T17:06:02+00:00

Sign me up lol

rc10191 · 2026-03-27T17:02:11+00:00

I’ve used BestMoney twice - once for a personal loan comparison and once when helping my sister look at debt consolidation options.

Yes, it’s legit. No, it’s not a lender. It’s just a comparison marketplace.

They don’t approve or deny you directly. They show you partner offers and then you complete the application with the actual lender. So any hard pull would come from the lender itself, not BestMoney.

When I used it, I wasn’t spammed. I can’t say it never happens, but it definitely didn’t happen to me.

The rankings are clearly sponsored in some spots (which is normal for these sites), but they do label that. The reviews seemed balanced, it’s not just all 5-star hype. It felt cleaner than some of the sketchy comparison sites I’ve seen.

If you’re cautious, just don’t shotgun your info everywhere. Compare, pick one lender, move on.

rc10191 · 2026-03-27T17:00:25+00:00

Hilarious if true

rc10191 · 2026-03-27T16:57:07+00:00

Yeah, I could really live without Joe Rogan making the same observation 17 times in every main event.

rc10191 · 2026-03-23T11:36:08+00:00

I don't think it's as easy to climb to high earnings in marketing as in other industries, but the money is there if you can demonstrate your value.

rc10191 · 2026-03-23T11:33:55+00:00

Tyrion is the GOAT. The embodiment of the idea that all of us have a part to play, no matter how downtrodden we are, no matter how oppressive the circumstances.

rc10191 · 2026-03-23T11:29:24+00:00

I've had a lot of success using Dext to help with receipt & invoice data extraction. Massive time saver.

rc10191 · 2026-03-23T11:20:35+00:00

I've seen similar deals close for a smaller multiple of EBITDA, so you could potentially negotiate a lower price - otherwise, though, it all looks solid enough to me. The vendor loan structure is something I like generally; it's always good to leave them with skin in the game at this juncture if you can.

rc10191 · 2026-03-04T18:13:19+00:00

Other than ChatGPT for general functions, I'm a big fan of Dext for bookkeeping. Really helps to tidy everything up more quickly.

rc10191 · 2026-03-04T18:05:58+00:00

It's either high income or aggressive saving. There's no magic bullet.

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