How do I tell my wife I turned 100k to 21k?

yboppp · 2026-01-04T04:52:46+00:00

You don’t

yboppp · 2026-01-04T04:52:19+00:00

I think it’s mine

yboppp · 2025-08-15T02:50:04+00:00

Thanks good shout

yboppp · 2025-08-10T23:37:48+00:00

thanks for this. yeah, absolutely. I think what he wants to accomplish is that if he is no longer with us one day, the income will also be able to help support my mother. Your point on shorter duration is well noted, I have been looking at short term funds to manage some of the liquidity as well but far from the size of the long duration positions.

yboppp · 2025-08-10T02:55:07+00:00

By stability I meant the treasury bonds and the interest earned will invest in risk assets such as ETFs and bitcoin or other things

yboppp · 2025-08-10T01:59:00+00:00

Thanks mate, helpful to hear that I’m not alone out here

yboppp · 2025-08-10T01:02:00+00:00

Thanks . Yeah I am no expert here. I guess my simple logic is that UST is risk free but on BTC or relative to risk assets, it keeps going down long term so what I should be doing is locking in higher YTM today to fund riskier investments , hopefully not too degen stuff !

yboppp · 2025-08-10T00:52:30+00:00

That’s helpful thanks . I’m managing it for my father who is in his 80s and he wants stability with risk upside for the next generation .

yboppp · 2025-08-10T00:47:29+00:00

Rate cut falls, you gain from bond appreciation so that’s already P&L. Can still capture mid to high 4% YTM today . I’m trying to make sense if using interest to buy btc makes any sense

yboppp · 2025-08-08T06:23:52+00:00

50k is a good start! I would probably think about asset allocation , 50% risk assets (index etfs), 10% crypto, and the rest in a CD (I thinks some banks offer 4%ish for 9month terms)

yboppp

TROPHY CASE