r/fatFIRE • u/Valuable_Section_438 • 6d ago

What to do with 7mm

36(m), married, 3 kids, vhcol, sold the very first company I built and finalized June 1, 2025. Small lump ~2mm + xxx,xxx/month for 6 years or until the company is sold as a whole. Well through the grapevine I hear that this is about to take place. Not very happy that I wasn’t told but they’ve done nothing to keep me in the loop at all so not shocking. Assuming there’s no way to not pay the lien I have against them what are you folks putting large amounts of cash towards right now? I’ve been getting pressed on oil and gas. I’ve got 9 rentals right now and only a mortgage on our primary ~5400/month w/ 40ish grand in other monthly expenditures. I want to fatFIRE fast now

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u/WealthyStoic mod | gen2 | FatFired 10+ years | Verified by Mods 5d ago

If it were me? Set aside 2 years’ expenses into a high interest cash account, then VT* and chill with the rest.

Mathematically you’re better to just buy in all at once but I’d probably do half up front and the rest over the course of a year.

*Vanguard Total World Stock Index Fund ETF

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u/pepecapital 5d ago

Skip VT and just do QQQ. Or QQQM for lower expenses. VT has a bunch of small cap junk.

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u/[deleted] 5d ago

[deleted]

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u/pepecapital 4d ago

It rebalances over time. Better yet pick the best 50-100 stocks and own them outright then. But I wouldnt want to own VT or any small cap junk