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5 votes
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Single, solo, poor, woman gets $500k pre-tax, how to make the most of it?
Hello all, long time listener, first time poster. First time poster because this is a throwaway account as it will have more personal info included than I'd like linked to my main account. The...
Hello all, long time listener, first time poster. First time poster because this is a throwaway account as it will have more personal info included than I'd like linked to my main account. The point of this post is to request guidance/advice/ideas from the always incredible, intelligent, and helpful people of Tildes.
The high level points:
- I am a female 40 year old, for lack of a better phrase, starving artist living in the US. I am single, live alone with my cat in an apartment, and have no debt.
- I have not held a steady/normal job in over a decade (mental health being a primary reason), my personal income has come from a couple of very small business ventures where I make things by hand, some freelance graphic design, the generosity of friends, and pet sitting. The latter is dead in the water as all my pets were in another state and I just moved in the last 30 days to a place that is much smaller and simply will not have the customer base to do the same, nor am I all that interested in pursuing it here.
- My primary method of financial support over the last decade was being the homemaker to my now-ex husband up until about two years ago when he informed me he no longer wished to be my husband. Since then my primary financial support was from my now-deceased father, who generously provided me with $2,500 per month to subsist on, with my previously mentioned ventures closing the finances gap as much as possible.
- Over the decade of being in a single income household and for the last two years subsisting off a "guaranteed" income of $30,000 per year I managed to learn to be extremely frugal wherever possible so as to not spend above my means and keep a roof over my head. I eat once per day, my overall health isn't great but I am attempting to address that, and thus far my "retail therapy" budget to give me a little boost of dopamine has been $50 per month that is generally spent in thrift stores. I wouldn't call it living so much as I'd call it surviving and am often unsure why I bother.
The issue/question at hand:
My father has passed away and with him my primary/only means of support, with his passing I have inherited just over $500,000 in a Traditional IRA. So my primary question is how to minimize tax burden and maximize return on his investments to make them last as long as possible while I figure out the next stage of my life.I am not opposed to getting a normal/steady job, but this is more difficult to obtain than one would imagine with a decade long gap in employment and an unwillingness to sacrifice the mental health gains I have made and gestures broadly everything else that is going on. There is also the bit of freedom that this amount of money provides that will perhaps allow me to double down on my small business ventures, investing in them/myself at a level that I was unable to do prior and therefore enabling them to become a primary source of support. So there is a thought of setting a budget, both monetary and time, to allow myself to try to grow my businesses first.
TLDR: Single, solo, poor, woman gets $500k pre-tax, how to make the most of it?
38 votes -
Tildes Survey #1: How old are you?
Submit your response here! Direct link: https://survey.tildes.community/form/how-old-are-you-1 This survey closes on April 26, 2026 at 10:00 UTC (also Tildes' birthday :D) The results will be...
Submit your response here!
- Direct link: https://survey.tildes.community/form/how-old-are-you-1
- This survey closes on April 26, 2026 at 10:00 UTC (also Tildes' birthday :D)
- The results will be published on April 26 shortly after the survey has closed. I'll edit this topic and post a comment about it!
The current plans for questions that will be asked in the coming weeks are as follows:
Question Survey opens Survey closes How old are you? 2026-04-19 18:00 UTC 2026-04-26 10:00 UTC What country do you live in? 2026-04-26 18:00 UTC 2026-05-03 10:00 UTC What country were you born in? 2026-05-03 18:00 UTC 2026-05-10 10:00 UTC What languages can you speak? 2026-05-10 18:00 UTC 2026-05-17 10:00 UTC Please submit your ideas for questions here! Even if they've been submitted already by someone else. All input is valuable! You can view all submitted questions on this dashboard.
Thank you all for participating!
56 votes -
Babylon 5 S01E07: "The War Prayer" - Episode Discussion
9 votes -
My journey to the microwave alternate timeline
12 votes -
Your favourite karaoke songs?
What are your favourite go-to songs at karaoke? Trying to steal ideas from you guys before I go next time. Any "tradition" or customs you and your friends came up with? Example, I like ending the...
What are your favourite go-to songs at karaoke? Trying to steal ideas from you guys before I go next time.
Any "tradition" or customs you and your friends came up with? Example, I like ending the night with Bohemian Rhapsody because it's super late and we're too tired to be shy, there's a lot of different (non repetitive) lyrical sections, and, tradition.
Modern karaoke places are pretty affordable these days , and have a good selection of songs. If you've never been or haven't in a long time, would love to encourage you to go try and report back your thoughts.
16 votes -
Mondo – Location (2026)
0 votes -
Any one use mesh networks like mesh core?
I don’t know if anyone is interest in mesh networks like MeshCore. I have been dabbling in it, and it’s an interesting concept of distributed LoRa radios making a community network. There has been...
I don’t know if anyone is interest in mesh networks like MeshCore. I have been dabbling in it, and it’s an interesting concept of distributed LoRa radios making a community network.
There has been some recent drama with MeshCore where in a nutshell there has been a disagreement over control of the project and probably ultimately money.If anyone else uses MeshCore (or meshtastic), what has your experience of it been? What are your thoughts about the future of the project with the drama? I don’t think it will be a big deal, I suspect it will blow over without a large fracture but it’s very much a guess rather than considered view.
21 votes -
What games have you been playing, and what's your opinion on them?
What have you been playing lately? Discussion about video games and board games are both welcome. Please don't just make a list of titles, give some thoughts about the game(s) as well.
25 votes -
The powerhouse of American citrus is suffering a brutal, unrelenting decline
44 votes -
Offbeat Fridays – The thread where offbeat headlines become front page news
Tildes is a very serious site, where we discuss very serious matters like infowars, framework.laptop 13 and web.small. Tags culled from the highest voted topics from the last seven days, if anyone...
Tildes is a very serious site, where we discuss very serious matters like infowars, framework.laptop 13 and web.small. Tags culled from the highest voted topics from the last seven days, if anyone was studious.
But one of my favourite tags happens to be offbeat! Taking its original inspiration from Sir Nils Olav III, this thread is looking for any far-fetched
offbeatstories lurking in the newspapers. It may not deserve its own post, but it deserves a wider audience!6 votes -
What’s the best 3D-printed thing you have?
It doesn’t have to be something you 3D printed yourself. It can be practical or sentimental or aesthetic — whatever you like. What’s the best 3D-printed thing you have, and what makes it great?
8 votes -
Saros | Launch trailer
12 votes -
Is there a FLAC equivalent for digital comics?
I’ve bought enough digital comic bundles now that they’re starting to take up a decent chunk of storage space. What I’d love to do, if possible, is losslessly compress them all down to their...
I’ve bought enough digital comic bundles now that they’re starting to take up a decent chunk of storage space.
What I’d love to do, if possible, is losslessly compress them all down to their minimum sizes, in the same way that FLAC does with music. Is this a thing? And if so, what’s the best way to do it?
If lossless compression isn’t possible, is there a lossy compression that’s effectively lossless in that I won’t be able to tell the difference anyway? Lossless compression gives me good piece of mind, but the storage savings from an invisible lossy one are honestly quite appealing too.
11 votes -
Christopher McQuarrie, Michael B. Jordan to tackle adaptation of ‘Battlefield’ video game
7 votes -
Tildes Minecraft Weekly
Server host: tildes.nore.gg (Running Java 1.21.11) Verification site: https://tildes.nore.gg BlueMap: https://tildes.nore.gg/map/ Patreon: https://www.patreon.com/TildesMC Plugins and Data Packs...
Server host:
tildes.nore.gg(Running Java 1.21.11)
Verification site: https://tildes.nore.gg
BlueMap: https://tildes.nore.gg/map/
Patreon: https://www.patreon.com/TildesMCPlugins and Data Packs
Data Packs:- Terralith - Overworld terrain upgrade
- Nullscape - End terrain upgrade
- Age Lock [Vanilla Tweaks]
- Armor Statues [Vanilla Tweaks]
- Bat Membranes [Vanilla Tweaks]
- Cauldron Concrete [Vanilla Tweaks]
- Cauldron Mud [Vanilla Tweaks]
- Custom Nether Portals [Vanilla Tweaks]
- Husks Drop Sand [Vanilla Tweaks]
- Mini Blocks [Vanilla Tweaks]
- More Mob Heads [Vanilla Tweaks]
- Player Head Drops [Vanilla Tweaks]
- Silence Mobs [Vanilla Tweaks]
- Wandering Trades [Vanilla Tweaks]
Plugins:
- BlueMap - Provides a live 3D rendering of the game world
- Clickable Links - Makes http URLs in chat clickable (only for registered players)
- CoreProtect - Records all block/container/mob changes (Anyone can look up changes with
/co inspect) - DebugStick - Gives the ability to craft debug sticks in survival
- DistantHorizons - Provides distant LOD map data to players running the client mod
- EasyArmorStands - GUI for editing armor stands
- Hexnicks - Enables Tildes usernames to be displayed
- hsrails - Allows for 4x speed rail travel
- LuckPerms - Locks down unregistered users
- Otherside - Fix for mob farms involving Nether portals
- Rapid Leaf Decay - Increases the speed of leaf decay by 10x
- WorldEdit - Used for occasional admin stuff
- WorldGuard - Prevents unregistered users from changing anything in the world
The server operates on a soft whitelist. Anyone can log in and walk around, but you need a Tildes account to gain build access.
We recommend you install our mod web-chat so that you can chat while in your web browser. It turns the server into an old-school chat room.
<- Previous Thread
4 votes -
Indie Pass, a PC subscription service for indie games to launch on April 13, 2026
29 votes -
Astronomers find the edge of the Milky Way
24 votes -
How US doctors cashed in on the No Surprises Act
24 votes -
Final Fantasy XIV: Evercold | Teaser trailer
11 votes -
Tildes Minecraft Weekly
Server host: tildes.nore.gg (Running Java 1.21.11) Verification site: https://tildes.nore.gg BlueMap: https://tildes.nore.gg/map/ Patreon: https://www.patreon.com/TildesMC Plugins and Data Packs...
Server host:
tildes.nore.gg(Running Java 1.21.11)
Verification site: https://tildes.nore.gg
BlueMap: https://tildes.nore.gg/map/
Patreon: https://www.patreon.com/TildesMCPlugins and Data Packs
Data Packs:- Terralith - Overworld terrain upgrade
- Nullscape - End terrain upgrade
- Age Lock [Vanilla Tweaks]
- Armor Statues [Vanilla Tweaks]
- Bat Membranes [Vanilla Tweaks]
- Cauldron Concrete [Vanilla Tweaks]
- Cauldron Mud [Vanilla Tweaks]
- Custom Nether Portals [Vanilla Tweaks]
- Husks Drop Sand [Vanilla Tweaks]
- Mini Blocks [Vanilla Tweaks]
- More Mob Heads [Vanilla Tweaks]
- Player Head Drops [Vanilla Tweaks]
- Silence Mobs [Vanilla Tweaks]
- Wandering Trades [Vanilla Tweaks]
Plugins:
- BlueMap - Provides a live 3D rendering of the game world
- Clickable Links - Makes http URLs in chat clickable (only for registered players)
- CoreProtect - Records all block/container/mob changes (Anyone can look up changes with
/co inspect) - DebugStick - Gives the ability to craft debug sticks in survival
- DistantHorizons - Provides distant LOD map data to players running the client mod
- EasyArmorStands - GUI for editing armor stands
- Hexnicks - Enables Tildes usernames to be displayed
- hsrails - Allows for 4x speed rail travel
- LuckPerms - Locks down unregistered users
- Otherside - Fix for mob farms involving Nether portals
- Rapid Leaf Decay - Increases the speed of leaf decay by 10x
- WorldEdit - Used for occasional admin stuff
- WorldGuard - Prevents unregistered users from changing anything in the world
The server operates on a soft whitelist. Anyone can log in and walk around, but you need a Tildes account to gain build access.
We recommend you install our mod web-chat so that you can chat while in your web browser. It turns the server into an old-school chat room.
<- Previous Thread Next Thread ->
16 votes -
For $700 a month, sleeping pods make San Francisco more affordable, but at what cost
36 votes -
What have you been watching / reading this week? (Anime/Manga)
What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was...
What have you been watching and reading this week? You don't need to give us a whole essay if you don't want to, but please write something! Feel free to talk about something you saw that was cool, something that was bad, ask for recommendations, or anything else you can think of.
If you want to, feel free to find the thing you're talking about and link to its pages on Anilist, MAL, or any other database you use!
10 votes -
Felicia Day will crowdfund a movie spinoff of The Guild this summer
16 votes -
Invincible Season 4 finale discussion
Warning: this post may contain spoilers
Finale of season 4 spoilers here. You have been warned that people will discuss spoilers here. Don't blame me if you are spoiled of things that happen all the way to the end of season 4, which premiered today.
Anybody else watch the Season 4 Finale and just blown away by how it ended? I was NOT expecting a full PTSD Mark episode to end with him agreeing to let Thragg use the planet as a breeding planet. Its such a smart, awful way to have him make a morally compromised decision and come to terms with Thragg. Also the mid credits scene of Allan being told to use the Scourge virus! Amazing television and i can't wait to see what they do next.
Edit: thank you to whomever added the tags for me. I am usually just a lurker and appreciate someone flagging this post appropriately! I was too excited to get my post up and see what people had to say!
20 votes -
Brave Origin (Nightly), a paid, bloat-free version of Brave
27 votes -
What did you do this week (and weekend)?
As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do...
As part of a weekly series, these topics are a place for users to casually discuss the things they did — or didn't do — during their week. Did you accomplish any goals? Suffer a failure? Do nothing at all? Tell us about it!
3 votes -
Midweek Movie Free Talk
Warning: this post may contain spoilers
Have you watched any movies recently you want to discuss? Any films you want to recommend or are hyped about? Feel free to discuss anything here.
Please just try to provide fair warning of spoilers if you can.
6 votes -
Hoopla Bonus Borrows for April 2026
6 votes -
What have you been eating, drinking, and cooking?
What food and drinks have you been enjoying (or not enjoying) recently? Have you cooked or created anything interesting? Tell us about it!
5 votes -
The zero-days are numbered — Firefox team uses AI to find and fix vulnerabilities
37 votes -
What have you been listening to this week?
What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as...
What have you been listening to this week? You don't need to do a 6000 word review if you don't want to, but please write something! If you've just picked up some music, please update on that as well, we'd love to see your hauls :)
Feel free to give recs or discuss anything about each others' listening habits.
You can make a chart if you use last.fm:
http://www.tapmusic.net/lastfm/
Remember that linking directly to your image will update with your future listening, make sure to reupload to somewhere like imgur if you'd like it to remain what you have at the time of posting.
3 votes -
What creative projects have you been working on?
This topic is part of a series. It is meant to be a place for users to discuss creative projects they have been working on. Projects can be personal, professional, physical, digital, or even just...
This topic is part of a series. It is meant to be a place for users to discuss creative projects they have been working on.
Projects can be personal, professional, physical, digital, or even just ideas.
If you have any creative projects that you have been working on or want to eventually work on, this is a place for discussing those.
10 votes -
So it turns out I was cheated on
Some of you may remember me from another thread, where I hemmed and hawed and fretted my way through trying to navigate my struggling relationship. I thought I'd reached the final chapter, I moved...
Some of you may remember me from another thread, where I hemmed and hawed and fretted my way through trying to navigate my struggling relationship. I thought I'd reached the final chapter, I moved out and established a place for my child and myself. I cut as many ties as I could with my now ex, but of course several threads still remain.
Yesterday (April Fools of course) I found out that they had been cheating on me since last May, at least. Potentially longer. Of course, I'm devastated. I knew they had found someone else already recently, but I thought it was in the last month or two. This new piece of the puzzle has solved so many unanswered questions I've had, while also creating many new ones.
I feel used, financially/emotionally abused, gaslit, and more. I'm still working on processing everything. I'm trying to remain calm for the sake of the kids (especially mine) but it's really, really hard. I know it isn't a reflection on me - I tried everything I could to fix things. It is hard however not feel that utter sense of betrayal in my gut and soul like a knife.
What resources, reading, supports, guides are there for this? I'm just trying to get through today and then I have a three day weekend to work on processing this all.
64 votes -
Dyecrest feat. Tuuli & Katariina – Forsaken (2026)
4 votes -
Orbitals | Gameplay reveal trailer
12 votes -
Framework reveals 13 Pro laptop with 20-hour battery
66 votes -
“Dungeon Crawler Carl” now available to libraries exclusively on Libby
27 votes -
I love you all
I have been gifted a tiny bit of VPN quota from a relative to allow me to upload my beatsaber creations. Its been the most important thing for me to put out, had found a very kind community, was...
I have been gifted a tiny bit of VPN quota from a relative to allow me to upload my beatsaber creations. Its been the most important thing for me to put out, had found a very kind community, was known-ish in it. I spent multiple weeks working on one of the projects i had planned, it was the only thing do to daily. Since it was finished life's been nothing after nothing after nothing. Fear, stress, depression, power infrastructure might get hit, planning for loss of power, loss of water, loss of food.
Constant stream of people asking for internet in news website comments. On the verge of crying 80% of the time.
I'm not gonna buy atrociously prices VPNs, even in this state people are scamming eachother with fake VPNs.
I miss life, life's been on pause for more than a month. the best describer of life is that it's on pause, that's all.
I was never at risk for depression, my friends who were now have it and struggle with it.
I have lost weight and gained a few more white hairs tho.
I love everyone and everything, i wish to get back to life.Will be seeing you hopefully in a better state.
-Pooya (slabs37)edit 2026/4/14:
got connected via another paid vpn, don't think this one will last long either. i put the wrong url, because ofcourse i did...123 votes -
China calls for ‘concerted’ efforts to tackle excess solar production
35 votes -
IETF has published an IPv8 draft
17 votes -
Hi, how are you? Mental health support and discussion thread (July 2025)
This is a monthly thread for those who need it. Vent, share your experiences, ask for advice, talk about how you are doing. Let's make this a compassionate space for all who may need one.
20 votes -
Hi, how are you? Mental health support and discussion thread (April 2026)
This is a monthly thread for those who need it. Vent, share your experiences, ask for advice, talk about how you are doing. Let's make this a compassionate space for all who may need one.
22 votes -
007 First Light | Rules of Spycraft trailer
16 votes -
Synthesizing multi-agent harnesses for vulnerability discovery
9 votes -
Fitness Weekly Discussion
What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started...
What have you been doing lately for your own fitness? Try out any new programs or exercises? Have any questions for others about your training? Want to vent about poor behavior in the gym? Started a new diet or have a new recipe you want to share? Anything else health and wellness related?
3 votes -
Booting Mac OSX on a Nintendo Wii
11 votes -
ASCII art generator: Create ASCII art for websites and marketing from images, video, live cam, and templates
24 votes -
Jet Lag Season 17: Taiwan Rail Rush | Trailer
22 votes -
Before Absolute: creator-owned Image Comics bundle
12 votes