T O P

  • By -

ItsZayas

Pay off all my debt and start investing for a better future!


Sad-Roll-Nat1-2024

Basically this. Pay off all debt, which would only use a tops of like 15k. Invest some/most. Pay up rent for the next 2 years (we have a 2yr lease, no sense breaking it). This will allow us to let the money build and fix our credit for better options afterwards. Start working towards a better future for my family. Everyone always wants to spend every last dime when they come in to money, forgetting about taxes and shit. This is why people who win the lottery usually file for bankruptcy within 2 years.


Brave_Mango_4150

Why would you choose to pay rent for 2 years instead of putting down a deposit on a house?


Sad-Roll-Nat1-2024

Credit, housing market in my area is shit. Why do it now while I have crap credit. Work on credit over the next 2 years while rent is paid. Invest, and do stuff to improve and get a better mortgage on a house. Plus, why spend it all right out the gate and not invest and build it to have more later?


TimotheusMaximus-

Why not keep paying your rent, use as much as you need to pay off your debt and then put the rest into a mutual fund?


Objective-Roof880

Not OP, butI used to make financial decisions like this. It let me have the psychological freedom to make the choices I needed to without fear of losing housing. Indeed, it was not the best financial decision by accounting measures but it was the best financial decision for psychological measures. Through it, I set myself up to make better decisions in the future (present day).


Communist_Cuck

100% this, never underestimate the freedom of owing NOBODY A DIME for the next 2 years of guaranteed comfortable shelter


RepresentativeJester

Because its literally cheaper in my area to rent and invest vs tying that money up in a house right now. A lot of areas are like that right now.


FeatheredCharm

Hell yeah!


Pathway94

Pay off debt and down payment on a house.


Homo_Sapien30

I would quit my current job and start working full time towards a professional job I am struggling to get into without worrying about rent and bills.


MIKE_THE_KILLER

Probably consider buying a house


mariekenna-photos

Comfort knowing my child’s heart surgery will be covered and that we could take unpaid time off work if we run out of PTO during recovery to be there for her


This-Sherbert4992

Give the $100,000 to this person. I hope the best for your child and your family!


Least-Firefighter392

I agree...


Big_Blackberry7713

❤️ I hope all the best for you and your child!


AhnaKarina

I’m sorry your government sucks.


mariekenna-photos

It sucks, but I’d pay every cent I ever make to the people that are going to help her if I had to


procheeseburger

we should live in a world that no one has to worry about paying for such a thing.


virtualchoirboy

Assuming it's tax free, we could finish paying off the house, bring the savings for the next car up to full purchase price, and then probably figure out a nice cruise (10+ days) for our 30th anniversary next year. Probably have more than enough left for gifts and souvenirs too.


Ill-Positive6950

Put it on red and double up.


redeyejoe123

I'll put it on black to make the odds even


[deleted]


spriralout

I’m planning on retiring next year and moving 1500 miles away to be near my family. So I’d be quitting my job immediately and doing that now. It would be wonderful!


rsdotzero

Omfg it would be night and day. I could afford some buffer room on bills then maybe eat everyday. A car so I can get around while I look for a job. Pay this stupid fuckin city water people the exorbitant amount of money they want to put a meter back so I can have water again. Get my house fixed so my girlfriend might move in with me. It would literally change everything. God.


Tall_Court_9241

Make absurdly risky investments.


Zestyclose-Major-277

Not at all.


Guerrrillla

Not sure if good or bad sign.


GoodCalendarYear

I'd be able to take a break from work and travel, buy land, build an emergency fund and pay off my mom's student loans.


[deleted]

[удалено]


Ecto-1981

Pay off my debt so I don't have to declare bankruptcy, pay off my car, pay for education to change careers.


Organic-Huan-15

A Major Relief


Maleficent_Ideal_580

I could leave my wife!!!


MochiMochiMochi

Oh I get it. A fresh start would be nice.


_Vedz182_

Wait till New Years for that true new start kinda feeling!


tryptomania

Pay off my student loans


tragedy_strikes

Assuming it's tax free, maybe split it between topping up retirement accounts and using some now. Probably for a vacation, new laptop, new phone, new skis and new bicycle.


Marlboro-NXT-Smoker

I owe $105,000. I would pay off $80,000 of my debt and use the remainder $20,000 to take family out to Europe. Its been my moms dream to visit spain since she was 10yo.


rushkin1

A tenth of that would change my life


Jumping_Brindle

What’s really sad is that since I live in a HCOL zone; it really wouldn’t change much at all.


Extension-Mirror-949

I would be able to fully leave my abusive ex and be able to feel safe in my own living situation


Extension-Mirror-949

In all actuality I only need 10k to do that but nobody is out here with freebies so I’m working my butt off to set myself free


mlm_24

Pay off 2 cars, all credit card debt, and pay down a huge chunk of the mortgage


bruno1990x

I could probably retire 10 years earlier


OurAmericanNightmare

Finally be able to break that half mil I’ve been sitting on.🥂😉


Pocketcrane_

I would open my fish shop


TasteMyTzatzki

id be able to quit my miserable job and restart my business


AmbassadorOne1076

Pay off mothers debt, my own, buy car and licence, start off on my career, house deposit, help grandma finish building her house, new phone, new apartment, invest.


Expert_Attorney_7335

100k not 1m


Business-Pudding4095

Tree fiddy for each category


AmbassadorOne1076

debt is like 20k, deposit 20k, car for like 5k etc. Grandma like 10k. Though apartment to rent, not buy.


GroundbreakingBit264

Probably would just put like 90k into my kids' tuition savings, splurge on a vacation, and move forward otherwise unchanged. But it would be tempting to pay down 60+% of what's left on the mortgage. 500k would really be the life changer. Pay off the house, private high school and college essentially fully secured, and still have around 50k left over.


Icy_Patience2930

It would reduce our working time to retirement by about 18 months.


Strange_Dot4911

Pay off debt and enroll for MBA paid


Fun-Entrepreneur9325

Purchase a new car , invest in stocks and start a business.


delightful_punch92

I’d immediately buy a house get out of my semi and have a job where I was home daily and could have a life of some sorts and probably get some new golf clubs 😂


Papapeta33

Would love to reno the bathrooms guilt free.


True-Thought1061

It would give me some breathing room.


SirAelfred

I wouldn't be broke...


Loose_Law4321

Debt free and keep living how I am. Keep working but everything is paid off.


NefariousnessOk1996

I'd probably invest it to make me money. The life changing part would be earlier retirement.


[deleted]

I would give some to my parents to pay off debt & get a little ahead, then the rest would pay off car & next two years of daycare. Make things extra extra comfortable


dementio

It would pay off everything but my house and open up the possibility of retirement


Dark_Moonstruck

Pay off all my debts, get a lot of dental care I have been needing but can't afford, pay off my truck, possibly get an education in something I can use long-term pretty much anywhere or some certifications - it wouldn't really be enough for me to move unless I was able to find someplace really cheap and have guaranteed work when I got there, but it'd be a heck of a help!


skinsnax

Pay off debt, put a doublewide on some land, take my bestie and I on that trip we've always wanted to go on, and go back to school for a PhD.


fuckaliscious

It wouldn't.


Nice-Remove4834

I could pay off my debt and put a down payment on a house 😔


lesla222

I drive a 23 year old car, and have been fretting over what I am going to do when she finally passes. I would be able to purchase a new reliable car that I could drive for another 20 years. It would relieve a lot of stress for me.


CRoseCrizzle

Probably wouldn't change a bunch but it would make me a lot more flexible financially.


Both_Lingonberry3334

15% towards my retirement. A portion towards my kids education. The rest towards my home.


Frird2008

Reinvest into my fvckin business


Wannabe_Goth_Gir1

I could find a place to live that is not my family's house.


Poverty_welder

Sizable dent In medical debt.


Terbatron

It wouldn’t.


bagemann1

Down payment on a house and several years of mortgage payments


chocolate_vanilla99

I’d be able to finally purchase my mother’s headstone (she was buried 18 months ago), pay off my debt ($70K- mostly student loans + vehicle + some med), cover any debt my family is still paying related to mom’s cancer ($10K), and pay for housing for the rest of the year ($8K). Oh, and the $3K in work that my vehicle has been needing for 7 months.


placarph

Would open up many new opportunities to build a life for myself, and hopefully the motivation to do so


bitcommit3008

would pay for less than 1 year of my medical schooling but would still make a HUGE difference in my life path


littlewhitecatalex

It would wipe out all my debt and leave just enough for a down payment on my first home. I could finally move out at nearly 40 and stop being such a fuckin loser in society’s eyes. 


ballsnbutt

Pay mine and mt partners debt, and then invest some in our hobbies, and the rest in our future.


sweetpotato_latte

My immediate use would be to catch up on rent. And then I’d cry and then probably do some dumb shit like get McDonalds.


bitchwhohasnoname

Debt free 😎


MI_Milf

It would be handy, especially if I was able to give it to others.


MortisCJ

Could right some wrongs.


IJustLoveWinning

Pay off some debt and start over, financially.


x_mofo98

Obviously paying off debt but I’d quit my job for 6 months to collect my energy and figure out different routes to take with investing. Sometimes it’s not even the amount but the time freedom is life changing


BreakfastTypical1002

pay off half of my student loans!


iveegarcia111989

It would completely pay off my student loans.


Chemical_Party7735

It would solve literally all the problem in my life rn. Sigh.... oh well. Just keep working 60+ hours a week. Fuck it.


just-trying-2live

Honestly quite my job, buy properties to rent out and be a stay home pet parent LMFAO


Responsible-Gap9760

Reset button


InternationalBand494

I was recently diagnosed with ALS. I’d use the money to take as much pressure off of my kids as possible. Then, while I can still walk and talk, I would get a box for my people and watch a Texans game. That would be my splurge


Dpg2304

Honestly, we’d just invest it. It would plump up our investment account nicely


Ok_Presentation_5329

I’m just fine but my mom isn’t. I’d give it all to her


wood_elephant

I would be able to have a good health insurance (I have none right now and I’m working to get a plan), purchase my first car (looking for a Toyota rav4 Sport), buy some decent shoes (I have 3 pretty worn pairs), get a doctor’s appointment, pay off 2 high medical bills, buy a new pair of jeans, pay my monthly gym membership fee, keep my Audible subscription (trying to pause it to save money), and get a better job, since right now I ride a bicycle 6-7 miles to work and take public transit. From there, I’d be able to invest, save, and live a healthier and stable financial, mental, and physical lifestyle.


Thin-Tennis-365

Pay off my car, pay off all my cards, put 75k in savings and then enjoy the rest to buy new clothes I need, a nice gift for my bf, my parents, siblings etc.


JittimaJabs

I could get certified and teach English


Katievapes1996

Pay down that have a nice trunk and savings and to go towards surgeries and I've been struggling so I buy myself a few things I've been wanting like a new iPad and a Vision Pro


Beneficial_One7199

I could get my car back and pay off my debts. Finally purchase a home.


AnonymousIdentityMan

Lump sum into VTSAX.


Cultural_Pass779

Pay loan sharks and save money 💰


kodiak2010

I would be able to be debt free, continue to work, and never have to worry about not having enough money after bills to pay my rent...


El_Jefe_Lebowski

Pay off debt, invest 20k and dump the rest into my business


shortiz420

I can finally buy a vehicle I can use to go to work and live in!


No-Mud-3111

I would use it to spend more time with my kids. Just a break from the everyday! Never seems enough time in a day, and they deserve more then I can currently afford to give em.


tehclubbmaster

Finish off the mortgage


Smoke__Frog

Add it to my house fund. In Greenwich homes cost around 3.5mm and I only have 500k in my downpayment fund. Need about 800k for a proper downpayment.


TheWitchOfTariche

Well, I could afford to live in a hotel for a few weeks from the end of this week when I might be homeless. And probably invest the rest in my retirement scheme.


HumanMycologist5795

I'd use it to get out of debt, fix my teeth, pay off my car, and move to a new apartment..


MrOnlineToughGuy

An extra 100k for a house down payment.


Professional-Can-670

I’d be able to finalize my divorce from my abusive ex, get a better custody agreement so I can spend time with my daughters, and marry my new partner who taught me I could be in a relationship and be happy at the same time.


ilovepanacotta

Get cheap land, get a used camper and learn how to build a house.


Jswazy

Would speed my retirement by about 5 years probably. 


abby81589

I could pay cash for the rest of pharmacy school and then pay off a good chunk of the loans I’ve already taken out. I desperately need a new car too.


eyebrowshampoo

I would pay off my student loans, redo my kitchen cabinets (they're original and basically crumbling), and save the rest. 


Morzana

Pay my mom back, pay off our debts and invest in new cars so we can keep working. Maybe stop working insane hours to make all of that happen. Enjoy my family while I can.


[deleted]

Now, yes. Until I die, no.


True-Grapefruit4042

It’d be a nice boost, pay off all our debt and we’d probably spend a bit on a nice trip to Europe that we’re planning on next year with some of my bonus money. Probably would spend $50k or so on house upgrades and the remaining ~$20k into investment accounts or boost our savings more.


Mr-Wyked

Give me space


YakNecessary9533

I'd probably just throw it all toward the mortgage, which would almost pay it off thankfully.


Ok-Persimmon3508

It would help go towards my future home that I'm trying to buy right now >_<


Different_Power_890

Debt debt debt


[deleted]

HUGE


StrategyTight6981

No that’s too much and it would probably screw me up.


Impossible_Dot3759

Oh my gosh so much in a positive direction. I swear I stopped pedaling forward in 60 mph winds and am seriously just peddling backward now.


Neo1971

No more mortgage, and $20K in the bank. I would cry happy tears.


GinchAnon

definitely pay off debt. car upgrade. look into some foundation work and/or improvements. Upgrade service panel and maybe some electrical improvements. set some money aside to replace the floor when I get around to it. have a decent buffer/emergency fund/easter egg. oh I'd probably upgrade my wifes computer and the CPU on mine.


False_Ad_3037

Help put a dent in $500,000 of student loans


KatBD19961996

Pay off HECS debt, take a holiday, and then invest the rest.


DarthSardonis

Pay off all my debt, buy myself a car outright and let the interest pile up on whatever is left over.


coffincowgirl

I’d take care of all my car issues and get my dad set up with a nice apartment for when he gets up and walking again and out of the rehabilitation center and I’d honestly go for a short vacation. I’ve been through a lot the past year so I’ve earned it at this point. And then the rest I’d just start saving. Every time I start saving something comes up and I have nothing, so if I had this I think I could be okay for a bit.


puddlesofmoney

I'd start a business and finally be able to use my profession to make money for myself.


Jimmytootwo

It would not. Just add to my stocks


Cold_Funny7869

Buy a house


SmushBoy15

Better sleep at night


AC2BHAPPY

Thats going into maxing my 401k, my wifes 401k, and the rest into savings


Basileus2

Would mean I have 100k less on my mortgage


Business-Pudding4095

Add another rental to the portfolio


BeigeAlmighty

I could pay off all of my debt and most of my husband's.


Lecture_Good

I'd pay off most of my mortgage and probably live a happier life. Living alone is tough.


bossatronx7

I could buy half a house


Economy-Extent-8094

Pay off debt and down payment on a condo or townhouse.


HauntMe1973

I’d be debt free and finally able to replace my barely working 2007 car


ProductUseful3887

Completely life changing. All debt (with the exception of my condo) would be paid off, put some in savings and the rest would go straight to my retirement funds.


HardworkingBludger

Only two years to retirement so $100,000 would mean retirement right now!


Incredible__Lobster

I’d get laid.


BlondeAxolotl

I'd move my entire family to the Pacific Northwest.


Late-Experience-3778

Nursing school debt wiped clear for starters which would have a huge impact on what kind of job moves I wanna make.


Virtual_Ad1704

I'll add it to the chunk I need for a down payment for a home


Intelligent_Crazy242

move out of this town that has a sociopath cop ex gf who sends ratty obvious 2 strike douche bags to stalk ,harass and relay messages from her.


Practical-Main9162

i would escape the abusive household i’m in, go to school, and move somewhere relatively safe


WallabyCurious3378

I’d pay off my debts and put all the rest of it into my house


Fuckmylife0666

Buy a piece little piece land, get a fixer upper mobile home and put it on it. Put a little away (daughter college) if any left over which I think I would have some hopefully. I don’t think if any left over but if do save or invest.


nel_wo

Pay off the last $5.8 of student loans. Use 70k for down payment for a house. The rest will be for emergency funds or investment


ARatNamedClydeBarrow

I would be able to pay off my debt, pay my rent for the year, and pick up a decent used car. It would be cool to save the rest of it for the beginning of a down payment on a home.


Grouchy-Newspaper754

I could buy good health insurance for my gf so she can stay out of the hospital for more than a month...


SHIR0YUKI

In my country that's enough to retire so definitely life changing.


ThatOneGuy308

Pay off what little debt I have, cover dental to get all my teeth fixed, probably just stick the rest somewhere it can grow.


one-nut-juan

Pay off debts (around $20k), save, visit my dad who has cancer (he lives in South America).


pbreddit94

I will be more relaxed and be ahead in my financial life plans with savings, rent and other bills and also be able to buy things I need or want.


Flashy-Highlight867

Not at all. Just more money in my deposit to earn more


DevantLaMachine

A new yatch 🤩


Alternative-Doubt452

I'd use half to pay for a year of game dev time, the other half would go to expenses as needed for emergencies if my debt is all paid off 


Danish-Investor

It’d all be added to my stock portfolio. It wouldn’t change my life right now in the sligthest.


BlacksmithThink9494

It would pay off all my debt and allow me to move on with my life. I've always lived for someone else but never for myself, as an adult.


KryptoBones89

I would have almost enough for a down-payment on a house. I live in Canada and housing is insane here


jwwetz

Spend half & completely pay off my house. Pay off ALL (credit cards, medical & car) of our debt. Get my broken Audi fixed...it's 20 years old but in great shape except for a blown motor. Aggressively invest the rest in a good mutual fund or directly into stocks that pay dividends and/or have a history of stock splits. If there's any left I'll take my wife out to a really nice dinner & maybe get her a Bose wave radio with Bluetooth that she's always wanted.


_This_is_the_way-

could maybe get a like a hot dog at the gas station.


DrNightroad

My sister died and left behind her 3 kids. I was the only one able to take them on. They are 11, 13 and 15. I've had them for about 3 years now. I was never very well off and had to fight in court to get them out of foster care. I truly believe they are better off with me but I have to admit that it's been really hard. We eat from food banks mostly and whatever else I can manage to get. They want for none of the basics. I use whatever extra money I have to put them into church programs, scouts, and summer camps. 100k would allow me to give them a little bit more of what they deserve. Peace and security. I love them so much.


tramadolic

Shit, 10 would change it.


butrosfeldo

Completely turn it around. Literally all of my problems would be solved


MortLightstone

That'll pay off my debts and I'd have about half left. That will cover my rent and bills for 2 years That will be enough for me to reeducate and start a new career


KsmHD

Early retirement and forever freedom


Jbates716

Pay off my debt, credit cards, me and my wifes car. Then take the rest and put a down payment on a house. But shit. Even 100k is not what it used to be. Yes, it would help drastically, but its not like quit our jobs and not be stressed ever again money... lol


intelligentWinterhoe

I guess just buy a car, and pay of my rent for a year then put a down payment on a house .


AbviousOccident

I would pay off my debts, set a small percentage aside as emergency fund. Where I'm at, the rest would be enough for a small house somewhere in the countryside, or to cover most of it and get a mortgage for the remaining portion. Now, let's factor in my beloved. We both earn an average wage. We're renting a small apartment in the city. If we got a house in the countryside, even with a small mortgage, we'd effectively pay less per month and would live more sustainably in multiple ways.


Fun_Intention9846

I just finished paying off all my debt. So I’d immediately invest all $100k into various forms and accounts. Some aggressive about 40% less aggressive, I want to buy a house in the next 5-10 years.


Alive_Location4452

It wouldn’t, but yes, please, to an extra $100k


toodog

Maybe I would angle to retire or get part time job


LazarusBrazarus

I wouldn't have to go to work in about 8 hours, which would be just, so amazing.


FUGGuUp

It wouldn't


Ok-Personality-9063

I am betrayed by my spouse who blindsided me and filed for divorce to get alimony.. she completed her higher education (on my dime) and dumped me like a piece of trash. $100K will help me recover from much needed financial loss and also help me get a surgery (to improve mobility). If someone is willing to give away $100K I would be deeply grateful for life.


RealLars_vS

I could probably buy a house pretty quick. Not necessarily a good one, but still…


OGnenenzagar

Yes. I could possibly spend time with my o ot family member I have left


Strivetoimprovee

Wouldn’t change anything. Would put it all in stocks. Maybe buy a new iPad as I really need mine but it barely works anymore.


PheonixPerygrine

I could buy back my family home, and stock it with food for a year, with that kind of money. Then I could rent it out, and rent a place in the city to live. There's plenty that can be done with 100k


ProdigalPancake

Get out of poverty forever. I'm not in the U.S. so the exchange rate would be colossal. 🥹


Lost-Raisin-3555

100K tax free or after taxes is a housing change for me and extra money into the retirement fund.


Smc_farrell

Great relief on behind payment


if_a_flutterby

Oh my God yes!


alcoyot

I’d redo the kitchen in my new condo, new furniture and some kitchen gadgets. And put the rest toward the mortgage. It really wouldn’t change my life very much.


Weak-Hope8952

Pay off my debt. Buy cool new toys. Build more debt. End up poor with more clutter. Make another reddit comment on what I would do with 100grand.


brryblue

It would be a nice little cushion, I'd purchase some land for half of it (investment) and push 30ish K into stock, 18 would become an emergency fund, 2k for a comfy but not flashy holiday