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  1. #1

    What would you do with in mid-30s with 500K net worth?

    I'm in my mid 30s and have a networth of around $500K and a job in big tech that pays around $250K/yr, but taxes chew up a big chunk of that

    However, I'm not doing so well socially. I don't really have any friends. I play sports and have people to play with but I'm not close to any of them since people come and go alot, have their own friends, are married or in relationships, are much older than me, etc. I've also struggled with confidence and social anxiety, so I've tried toastmasters, boxing, martial arts, and weightlifting

    I feel like I missed out alot on life. Although I've traveled abroad alot, it was all solo as I've been a loner most of my life as I friendless and had zero social life in high school and college. I didn't party and get drunk alot in my younger days and have minimal experience with women

    Although I've used alot of hookers, I've never had a girlfriend and only had 1 hookup before though there's been a few other times some women were interested in me but nothing happened because I screwed up, had to move because of my job, they didn't meet my standards, etc

    I definitely don't want to get married with kids. Getting into a relationship doesn't sound great with all the nasty and obese women in the US. But I do often get the urge to want more hookups. I've had minimal success with dating apps as I need to get more muscular, but I often find weightlifting to be a chore and don't have the motivation to go. I guess I could pay for a PT?

    For those older than me, what would you do in my situation? Should I focus on making even more money outside of my job, such as with real estate investing? Or focus more on weightlifting so I can get hookups?

  2. #2
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    Re: What would you do with in mid-30s with 500K net worth?

    Make money, and bank every bit of it. Right now the world is changing so your $500k is worth less every second.

    Focus on your business of your money. Strategically invest as it's going to be rocky for the next 20 years.

    Decrease your expenses. If you do well over the years, you might have about $5 mil to retire on, which should be enough.

    Pussy costs money, as you know. Friends cost money too, but people deny that. If you're desperate for pussy because you lack the tech skills of typing "free porn" into google, then go rent it hourly and learn pleasing your body so you're not supporting whores any more.

    Money comes and goes so it's best to accumulate wealth when you can, because it can all disappear tomorrow.

    If you're desperate for pussy (lame) then rent it sparingly. Get a stable of escorts you like on the reg and do those once a month, or less, or whatever. Get the best personality whores you can, not the best looking. You want someone who pleases you across many metrics.
    Last edited by DangZagnut; January 22, 2022 at 7:29 PM.

  3. #3

    Re: What would you do with in mid-30s with 500K net worth?

    Talk to a financial planner.

  4. #4

    Re: What would you do with in mid-30s with 500K net worth?

    I would retire, throw some into investments and live off interest the rest of my life, easy.

  5. #5
    Senior Member UnKnownSurviving's Avatar
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    Re: What would you do with in mid-30s with 500K net worth?

    I'm in my mid 30s and have a networth of around $500K and a job in big tech that pays around $250K/yr, but taxes chew up a big chunk of that

    However, I'm not doing so well socially. I don't really have any friends. I play sports and have people to play with but I'm not close to any of them since people come and go alot, have their own friends, are married or in relationships, are much older than me, etc. I've also struggled with confidence and social anxiety, so I've tried toastmasters, boxing, martial arts, and weightlifting

    I feel like I missed out alot on life. Although I've traveled abroad alot, it was all solo as I've been a loner most of my life as I friendless and had zero social life in high school and college. I didn't party and get drunk alot in my younger days and have minimal experience with women

    Although I've used alot of hookers, I've never had a girlfriend and only had 1 hookup before though there's been a few other times some women were interested in me but nothing happened because I screwed up, had to move because of my job, they didn't meet my standards, etc

    I definitely don't want to get married with kids. Getting into a relationship doesn't sound great with all the nasty and obese women in the US. But I do often get the urge to want more hookups. I've had minimal success with dating apps as I need to get more muscular, but I often find weightlifting to be a chore and don't have the motivation to go. I guess I could pay for a PT?

    For those older than me, what would you do in my situation? Should I focus on making even more money outside of my job, such as with real estate investing? Or focus more on weightlifting so I can get hookups?


    We have Signal app for MGTOW group for single bachelors and mgtows, those who want to network. There's nothing wrong with having buddies. Sure, it can be expensive, but it's getting harder to find great buddies as friends to network and have a beer with.

    I recently setup this private group for mgtw/bachelors. So if you want to join, just private message me, or email me. We already have couple guys and it's growing.

  6. #6
    Senior Member Toolband89's Avatar
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    Re: What would you do with in mid-30s with 500K net worth?

    Save, invest, think about retiring overseas

  7. #7

    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by JustWannaRetireFk View Post
    I would retire, throw some into investments and live off interest the rest of my life, easy.
    you mean retire right now? 500K doesn't seem like enough

    Quote Originally Posted by Toolband89 View Post
    Save, invest, think about retiring overseas
    how much more should I save before retiring overseas?

  8. #8
    Senior Member Toolband89's Avatar
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    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by plasticbag13 View Post
    you mean retire right now? 500K doesn't seem like enough



    how much more should I save before retiring overseas?
    That depends (on you, you living requirements, the location), $500k can go a long way in some places.

  9. #9

    Re: What would you do with in mid-30s with 500K net worth?

    Retire as early as you can while maintaining the lifestyle you want. If you're going to stay put for 10 years, then buy a house now.

    People are against mortgages in these groups, but with WFH becoming more common, so much joy being peaceful in your home.

  10. #10
    Senior Member ResidentEvil7's Avatar
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    Re: What would you do with in mid-30s with 500K net worth?

    I don't know what you're worried about. A tech job that pays $250K a year, and you're worth a half million would be most people's dream. I know I want a tech job. That's why when winter ends, I'm going to apply for something at my local Best Buy and work my way up from within. Unlike you, I have nothing to look forward to as I'll be turning 40 in September and I have nothing but set backs.
    It's a man's world and we need to take it by the throat and make it give us what we desire.

  11. #11
    Senior Member UnKnownSurviving's Avatar
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    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by ResidentEvil7 View Post
    I don't know what you're worried about. A tech job that pays $250K a year, and you're worth a half million would be most people's dream. I know I want a tech job. That's why when winter ends, I'm going to apply for something at my local Best Buy and work my way up from within. Unlike you, I have nothing to look forward to as I'll be turning 40 in September and I have nothing but set backs.
    You should join us at Signal mgtow group. What a better way to network with guys you know that are bachelors and MGTOWs,

  12. #12

    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by DangZagnut View Post
    Make money, and bank every bit of it. Right now the world is changing so your $500k is worth less every second.

    Focus on your business of your money. Strategically invest has it's going to be rocky for the next 20 years.

    Decrease your expenses. If you do well over the years, you might have about $5 mil to retire on, which should be enough.

    Pussy costs money, as you know. Friends cost money too, but people deny that. If you're desperate for pussy because you lack the tech skills of typing "free porn" into google, then go rent it hourly and learn pleasing your body so you're not supporting whores any more.

    Money comes and goes so it's best to accumulate wealth when you can, because it can all disappear tomorrow.

    If you're desperate for pussy (lame) then rent it sparingly. Get a stable of escorts you like on the reg and do those once a month, or less, or whatever. Get the best personality whores you can, not the best looking. You want someone who pleases you across many metrics.
    He can retire now. IF he doesnt choose to stay in the western leftist hellhole countries.

  13. #13

    Re: What would you do with in mid-30s with 500K net worth?

    You're looking for external validation, which is a gigantic life error. You MUST learn to self validate and you MUST learn now. Expecting someone else to make you happy is a guaranteed path to self-destruction. You should be VERY proud of where you are in life, especially at the age of 30ish. You are doing FAR better than 99% of your peers, which extends far beyond the bubble in which you now live.

    DO NOT seek validation from women, or anyone else for that matter. Do not worry how you're doing socially. Belief in false cultural myths, aka love, friendship, social fame, marriage and happily ever after, will DESTROY all you've worked for. False belief in cultural myths have taken down many a man. You are walking into a very dangerous psychological trap from which you need immediate extraction. YOU ARE DOING GREAT. DON'T FUCK IT UP. You have an enormous target on your back, so don't advertise your financial state to women. At some point, bragging will most certainly backfire on you, possibly in way you never expected.

    Above all else, protect those assets. Many a woman would LOVE to get their hands on that money and commitment and marriage are how women financially exploit and enslave men. Hoping you have an umbrella.

    You are doing wonderfully in life. You should feel nothing but good about yourself. The reason you're doing so well in life is BECAUSE you're an introvert and loner. EMBRACE THAT. It's who you are and you shouldn't feel ashamed or bad for being so. Brilliance is closely aligned with introversion and a loner lifestyle.

    You have so much to be grateful for. You probably just need to focus more on a beloved hobby. Women will only temporarily fill the void you're seeking to fill. Women are not a panacea. The real problem here is how you're approaching this issue. You are not the problem. How you're approaching the problem is your problem.

    You must void yourself of illusions and enchantments and get your head on straight. You are doing spectacularly well.

    As far as when to retire, that's incredibly simple. Go to Ultimate Retirement Calculator, enter your annual budget and the other information required and the calculator will tell you how much you need in savings. Figuring out when to retire is entirely dependent on how much you want to spend each year. But beware, don't give the calculator 'pie in the sky optimistic numbers'. Give it realistic data to work with and it'll help you figure the retirement thing out in a jiff. There are tons of free retirement calculators online. There are also calculators to project your Social Security. As far as retiring overseas, don't forget about insurance, particularly medicare. As it's a golden handcuff, you can't use medicare overseas. Things will start falling apart as you age. I guarantee.

    What you do with the rest of your wonderful life is entirely up to you, but if it were me, I'd retire as early as possible. But don't do me or anyone else; do you. I waited to retire until I had the appropriate amount of money saved with respect to my chosen retirement budget, and then I retired. I used the below calculator to make some of my financial retirement decisions. Also, retirement for me wasn't possible until I'd figured out how to keep myself challenged and occupied, two things most people can't live without.

    Beware false accusations. Always have proof.

    Here's the link for Ultimate Retirement Calculator. You enter data based on projections to figure out the best time to retire, but only from a financial perspective. When you choose to retire may not be strictly a function of finances. People retire for different reasons.

    https://financialmentor.com/calculator/retirement-calculator
    Last edited by MannSplainer; January 22, 2022 at 2:33 PM.

  14. #14

    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by mgtow2021 View Post
    He can retire now. IF he doesnt choose to stay in the western leftist hellhole countries.
    I've thought about moving abroad such as to SE Asia or Latin America. But I don't plan to retire anytime soon since my job pays well, I can work remotely anywhere in the US, has good WLB and isn't stressful


    I've also considering applying to companies that could let me work remotely outside the US such as in Latin America

    Quote Originally Posted by MannSplainer View Post
    You're looking for external validation, which is a gigantic life error. You MUST learn to self validate and you MUST learn now. Expecting someone else to make you happy is a guaranteed path to self-destruction. You should be VERY proud of where you are in life, especially at the age of 30ish. You are doing FAR better than 99% of your peers, which extends far beyond the bubble in which you now live.

    You are doing wonderfully in life. You should feel nothing but good about yourself. The reason you're doing so well in life is BECAUSE you're an introvert and loner. EMBRACE THAT. It's who you are and you shouldn't feel ashamed or bad for being so. Brilliance is closely aligned with introversion and a loner lifestyle.

    You have so much to be grateful for. You probably just need to focus more on a beloved hobby. Women will only temporarily fill the void you're seeking to fill. Women are not a panacea. The real problem here is how you're approaching this issue. You are not the problem. How you're approaching the problem is your problem.
    Thanks. Never being in a relationship or marriage with women has helped me save so much

    As far as when to retire, that's incredibly simple. Go to Ultimate Retirement Calculator, enter your annual budget and the other information required and the calculator will tell you how much you need in savings. Figuring out when to retire is entirely dependent on how much you want to spend each year. But beware, don't give the calculator 'pie in the sky optimistic numbers'. Give it realistic data to work with and it'll help you figure the retirement thing out in a jiff. There are tons of free retirement calculators online. There are also calculators to project your Social Security. As far as retiring overseas, don't forget about insurance, particularly medicare. As it's a golden handcuff, you can't use medicare overseas. Things will start falling apart as you age. I guarantee.

    What you do with the rest of your wonderful life is entirely up to you, but if it were me, I'd retire as early as possible. But don't do me or anyone else; do you. I waited to retire until I had the appropriate amount of money saved with respect to my chosen retirement budget, and then I retired. I used the below calculator to make some of my financial retirement decisions. Also, retirement for me wasn't possible until I'd figured out how to keep myself challenged and occupied, two things most people can't live without.

    Beware false accusations. Always have proof.

    Here's the link for Ultimate Retirement Calculator. You enter data based on projections to figure out the best time to retire, but only from a financial perspective. When you choose to retire may not be strictly a function of finances. People retire for different reasons.

    https://financialmentor.com/calculator/retirement-calculator
    Thanks for that, I'll check it out. I've looked at other retirement calculators before and they said I could retire now or very soon, but that was based on my current spending rate which is minimal compared to most people. I just wasn't sure how accurate that was since unexpected expenses could occur in the future, such as taking care of my aging parents, medical expenses for me if I have health issues, etc

    DO NOT seek validation from women, or anyone else for that matter. Do not worry how you're doing socially. Belief in false cultural myths, aka love, friendship, social fame, marriage and happily ever after, will DESTROY all you've worked for. False belief in cultural myths have taken down many a man. You are walking into a very dangerous psychological trap from which you need immediate extraction. YOU ARE DOING GREAT. DON'T FUCK IT UP. You have an enormous target on your back, so don't advertise your financial state to women. At some point, bragging will most certainly backfire on you, possibly in way you never expected.

    Above all else, protect those assets. Many a woman would LOVE to get their hands on that money and commitment and marriage are how women financially exploit and enslave men. Hoping you have an umbrella.
    Yeah, I'm cautious of women. I definitely don't want to get married. Seeing all the bitches, whores, and karens in society is enough for me to not want to get into relationships with them either.

    I drive a 10-year old honda and don't wear expensive clothes to ensure no one knows my actual wealth

    I was just considering hookups and pump and dumps since I've pretty much never experienced casual sex before other than with hookers, which makes me technically involuntarily celibate.

    Thats why I was considering spending some time and money on my appearance so I can get casual sex and not live the rest of my life as involuntarily celibate.

  15. #15

    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by plasticbag13 View Post
    I've thought about moving abroad such as to SE Asia or Latin America. But I don't plan to retire anytime soon since my job pays well, I can work remotely anywhere in the US, has good WLB and isn't stressful


    I've also considering applying to companies that could let me work remotely outside the US such as in Latin America



    Thanks. Never being in a relationship or marriage with women has helped me save so much



    Thanks for that, I'll check it out. I've looked at other retirement calculators before and they said I could retire now or very soon, but that was based on my current spending rate which is minimal compared to most people. I just wasn't sure how accurate that was since unexpected expenses could occur in the future, such as taking care of my aging parents, medical expenses for me if I have health issues, etc



    Yeah, I'm cautious of women. I definitely don't want to get married. Seeing all the bitches, whores, and karens in society is enough for me to not want to get into relationships with them either.

    I drive a 10-year old honda and don't wear expensive clothes to ensure no one knows my actual wealth

    I was just considering hookups and pump and dumps since I've pretty much never experienced casual sex before other than with hookers, which makes me technically involuntarily celibate.

    Thats why I was considering spending some time and money on my appearance so I can get casual sex and not live the rest of my life as involuntarily celibate.

    If it were me, given the great choices you're making and how well you're doing, I'd wait until I had at least a million in the bank. You should be extremely proud of yourself. At your income level, you could save another 500K easily over the next several years. If you retire early, you'll have to fund your own health insurance, which can be a very large expense. There are ways around this expense however. It's a little trick, so you'll have to look closely. Look at the ACA requirements for income vs subsidies. It's all right there in front of your face, you just have to read between the lines and plan ahead. But none of that will matter unless you retire before 65, which is the age of medicare enrollment.

    I used best case/worst case in my retirement financial planning. Because of this, if things go really bad, I'm still going to be just fine. Short of nuclear holocaust, I'm financially sound. I stick to my retirement budget too and have an extra 10k allotted each year for surprises. I buy myself a nice fat gift for Christmas at the end of each year if the 10K wasn't spent on an emergency. I have umbrella insurance as well. These are all sound recommendations for just about anyone.

    Women aren't the answer. No man has ever been loved by a woman. My own mother spoke of 'good men' only in terms of what those men were able to provide to her. A 'good man', a 'beloved man' was one that gave her lots of free things and made her life as carefree as possible. Many a foolish man, including myself, has walked down that fateful path, only to have suffered brutal reality and painful awakenings. All relationships between adults are transactional and conditional. We are all prostitutes and we are all Johns. Finding within yourself the capacity to self-validate and self-love is crucial to your future. Don't give others the power to validate your existence. You are a remarkable man. Don't betray yourself on behalf of another. If a target of interest can't accept you the way your are, don't bother with 'em. They're not worth your time. Don't change yourself to please others. Only change yourself to please YOU.

  16. #16
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    Re: What would you do with in mid-30s with 500K net worth?

    One of my friends "former" brother-in-law is in a similar position as the OP..... Single guy, works IT, not much for social, and certainly inclined toward MGTOW (i have not personally met the young guy, but that's the description i get from my bud).

    Anyway, last year i was mentioning to my bud his bro-in-law should definitely buy a house (was doing the classic living at home with his folks - at 30+ years...which is a phouking adult-social-life tragedy). So, last fall he did buy a house... Financial step in the right direction.

    Regardless of how much you earn, pissing cash out the window for rent is simply not wise. Even if you move you can sell the house/condo and likely make a profit.

    If you simply don't care about the money spent on rent something to consider is the accuracy of your "financial crystal ball". Maybe right now you don't need the cash, but what if something unforeseen/able happened and you could no longer earn what you do now? You would be very happy to have more cash in the bank than not.... Plus there is something wonderful about coming home to YOUR house. There is a profound measure of bliss owning your own living space.

    EDIT: I read your comment about real estate investing AZZuming you didn't own your own home. I'm possibly wrong in that assumption. If i am....sorry and pls disregard my commentary on that. Otherwise, i used to own rental properties. Lots of work, but some of it enjoyable depending on what you enjoy doing. I used a property manager and it was well worth the money... Can also have a risk element from a property acquisition perspective (location, type of property, etc.). I would say do not give up your day-job unless you hate it. If you're good enough to earn large then stay with it....that skill dumps cash into your bank account which is a very good thing.

    As regards social stuff.... I am similarly situated, but i'm becoming more comfortable with the silence as the years post-divorce pass. That said, i do like social involvement and am somewhat extroverted. My approach to changing my situation is looking at MeetUp Groups or similar and finding a group that caters to one of my hobbies.

    It sounds like you've tried some things. Ask one of the other participants to grab a bite, go for a coffee, etc. Keep asking. If you really want some social connection, you will have to do things differently than you're doing now.

    If you always do what you've always done, you'll always get what you've always got.....no social life. Phouk that.

    You have funds available to dabble in recreational interests so maybe check some other stuff out.

  17. #17
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    Re: What would you do with in mid-30s with 500K net worth?

    Lots of good comments here. This paragraph by MannSplainer is especially worth repeating:

    Quote Originally Posted by MannSplainer View Post
    Women aren't the answer. No man has ever been loved by a woman. My own mother spoke of 'good men' only in terms of what those men were able to provide to her. A 'good man', a 'beloved man' was one that gave her lots of free things and made her life as carefree as possible. Many a foolish man, including myself, has walked down that fateful path, only to have suffered brutal reality and painful awakenings. All relationships between adults are transactional and conditional. We are all prostitutes and we are all Johns. Finding within yourself the capacity to self-validate and self-love is crucial to your future. Don't give others the power to validate your existence. You are a remarkable man. Don't betray yourself on behalf of another. If a target of interest can't accept you the way your are, don't bother with 'em. They're not worth your time. Don't change yourself to please others. Only change yourself to please YOU.

  18. #18

    Re: What would you do with in mid-30s with 500K net worth?

    In Brazil, 1 dollar is 5,50 reais, which means $500k is R$2.7 millions. So I would buy a small house in a small city on countryside and invest some and live comfortably

  19. #19
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    Re: What would you do with in mid-30s with 500K net worth?

    What are your hobbies? Thought about car collecting or racing?

  20. #20
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    Re: What would you do with in mid-30s with 500K net worth?

    Quote Originally Posted by Warfish View Post
    What are your hobbies? Thought about car collecting or racing?
    If it can kill you, it's a sport. Car collecting could go either way, but racings a sport.
    Every day I make the world a little bit worse.


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