100M before or after taxes ? 🤣

Speaking generally: investments.

Diversifying stocks and bonds mainly, and each asset should be diversified from the others of the same type (eg; tech stocks counter balanced with things like agriculture or energy or something that’s also stocks but not in tech - Rinse and repeat for bonds, etc). Mainly long standing assets should be prioritized, stuff that has historically paid well in dividends and will hopefully continue to pay well.

The majority of your assets should be stored in this manner… This will help the long term value of your money. Above and beyond that, the assets will counter balance eachother if they’re properly diversified, as one sector under-performs, another should be performing better and make up the difference, so payouts should be fairly steady.

At the end of the day, those investments will make up your passive income, which any sufficiently rich person has in spades. I wouldn’t pretend to put numbers on any of this, whether to say what percentage of winnings should go to what or in what volume, and certainly nothing fixed, if you’re not sure how to get any of this finance stuff handled yourself, there are plenty of investment firms and personal wealth management companies that will gladly take your money so you can make more (so you can continue to pay for their services), and who will be more than happy to get you started.

Moving away from stocks, bonds, and passive income, you’ll want to focus on fixed assets. Having your money invested into things. What those things are is up to you, but I would advise to focus on getting a good property instead of other assets, since real estate tends to be one of the few things that continually increases in price over time with few exceptions. Compared to other investments (eg, stocks and bonds) unless the property is a specific “income property” aka, something you’re renting/leasing out, it’s not the best investment for growth, but having a home that you own and being able to live more or less rent free, helps you hold onto your money, rather than blow it on a place to live. A house will be a rather large one time investment that will at least hold its value, and you’ll get a place to live out of it. Cars tend to lose all value in a matter of years to decades, and there’s a high likelihood that they could be destroyed through use. So cars are generally expenses, not investments with few exceptions. So buy vehicles with the understanding that you may not get your money back at the end of the life of the vehicle; IMO, that applies for almost any vehicle including planes, boats/yachts, etc. So spend wisely in regards to transportation.

For everything else, out of your passive income create a salary for yourself, and set aside some “in case of shit” money from your year over year dividends. Reinvest/grow your funds with whatever you’re not paying yourself in salary. The amount is up to you, but I’d say if you can afford to live on less than half of the payout, and reinvent the other half or more, do it. The in case of shit funds would be for incidentals like your car getting totaled, or needing to replace the water heater/HVAC on the house, or something unexpected you just need instant cash for.

Up front, you should be paying off debts and living within the salary you set for yourself… Doing everything in your power to keep your investments intact and growing for your own future. It’s fine to go on vacations or cruises or whatever you want, as long as you stay within your self defined salary, and you’re not just blowing through the capital of your investments. Long term, you’re going to be able to live very comfortably without needing to worry about money which, honestly, is the only outcome that should be worth anything… That safety and security is extremely valuable. Do not throw it away on a few years of indulgence.

Have you ever seen the opening credits to Duck Tales?

That.

Invest in my people (friends and family), especially the ones I care about. Not exactly a win win but it’s basically a wash in the worst case and a super win in the best case.

If they succeed in their endeavours, I get partial ownership in it or it can be a loan (whatever they prefer) and if they run away with the money, it’s a cheap price to pay for setting up someone I cared about with a better life and finding out they were not trustworthy.

Also, if spread around enough, there will be enough people who will be thankful to you for improving their lives that they’ll be there for you for a lifetime.

This is all after you do the usual investments with some amount and also keep enough aside from any ideas you want to try to bring to fruition (you’ll want to do something at least after all)

Drugs. I would make my home a bunker, and then get high on drugs, waiting to this world to be burned. 😞 I don’t really see any good future for any investment unless to survive the climate change that is coming with non-stop.

https://www.forbes.com/advisor/banking/ways-to-insure-excess-deposits/

Here are some of the most common strategies if you’re over 250k. But at 100M it would be very foolish to not invest (likely hiring a private wealth manager to do so competently).

Just invest enough to draw on to cover your basic needs for life and be secure, and spend the rest on things people you know need. Improve the place you live. Fix something small. Build some parks with low income housing nearby. Don’t be a dick and buy shit just to buy shit for yourself.

As recent events have shown, the FDIC guarantee amount isn’t a hard limit (at least in the US). That said, the name of the game is to keep accumulating capital, so you just use the money to make investments. Maybe you have some specific ideas about which investments to make, but typically you just hire a company to do this for you. What you don’t do is spend it. Instead, you use those investments as collateral on lines of credit and that is how you get your spending money. This way, you get useful cash flow while minimizing your taxable income.

An important thing to do is launder your reputation by contributing to charities and causes and making investments that have popular appeal. It’s cheap insurance to make sure the working class doesn’t bear too much resentment for you specifically if a revolution ever does materialize.

Save for the taxes, VTI/VXUS/BND and chill, plus whatever else you wanted

Pay off my debt, give 10 million to churches and charities of my choice, give a million to my parents and another million to my in-laws, give myself a million, and take the remaining 87 million and start a non-profit that aims to fight climate change and eradicate world hunger.

Two chick’s at the same time.

Multiple banks, only storing what is federally insured by the FDIC in as high yield interest rate savings accounts as I can get.

Finally get rid of the biggest barrier to a better world for at least 300million people, primary/buy-out every single politician of the democrat party to ensure the things that are ostensibly in their platform are actually enacted. Also ensure that every single current non-elected neo-liberal “policy wonk” and their sycophants never have any influence in any future government again.

Private wealth management. They take a large cut but it’s worth it for most mega-rich folks. They will manage the money for you and invest it according to your goals. They spread the funds out into various investment classes to lower overall risk and they work full time moving money around to maximize gains. They also have access to tax experts who can advise on how best to minimize taxes.

Just a reminder that [email protected] exists in case people want to discuss this kind of questions