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3 Reasons:

1. The taxes wealthy people pay is both higher in amount and higher in percentage that non-wealthy folks.

2. The way the tax money is spent is inefficient

3. Because it is legal to minimize taxes, and to waste money is bad.

Lots of wealthy people are charitable. It's preferred to spend money through charity versus give it to the government to spend in their preferred way, which can often include buying votes.


At Buck's Restaurant in Woodside, CA there's a postcard on the wall (or there used to be) from a lady somewhere "else" who said since everyone there is wealthy - could they send her some money.

Let me ask you, shifto, if I can.. Why would you like to have, or as you say 'need' rich friends?


It was a tongue in cheek remark. I'm pretty well off as I at least have decent job in IT. I try and make life better for friends and family by spending my money. I just wonder how it would be to be on the receiving end of it all.

Also, my very rich friend will bootstrap my company no strings attached. He/she's the best! :)


I love the Ember idea! Agree on the vig! If I'm making 5% and they get 2% well that's just not fair!

Umbrella is looking good.

Great input, thanks!


That's very kind of you to suggest it won't change me. I hope you're right and expect you are.

Totally love the idea about buying time. Not entirely clear about what to buy access for, but I'll ponder that.

Agree re: confidentiality. Age is 40, and expect to work for another 5-20 years or more.

Working w/ an RIA so things should be good there, totally agree they must be fiduciary.

Agree long term planning; not exactly sure that giving kids money is a great idea. Perhaps some/all college and help w/ house down payment - but life is a struggle (jihad - I'm not Muslim but that's the analogy I use). Agree learning how to teach them is a good goal! The Silver Spoon book looks good for that!


You seem to have it figured out- I'd love to talk with you privately. I like your point of view.

One of my advisors said one of his clients spend $30k on an A/V room for playing video games. And although that seems excessive it's so much less than other things.

I love your approach on charity and will dwell on it.

Thank you for your comments!


1) Slowly makes sense but I need to diversify - which I probably will do more quickly than slowly.

2) I'm fairly literate financially but need more depth and breadth.

3) Revocable trust and wills are in the works.

4) Asked friends for recommendations, agreed!

5) Agree. I've told one person (outside of work folks who are in the same situation) and that was a mistake.

6) Spouse is fully informed and has delegated all decisions to me. Oooof.

7) Good advice re: expected safe return!

8) Agree investing in simple things. Investing in America or the World with a diversified portfolio makes sense.

9) agree with diversification and risk tolerance as a function of dynamic market.

10) Real estate seems fun but not really - too many societal changes and troublesome renters.

Good point that you 'can't take it it with you' - interesting to see that as an actual issue to deal with.

Great input - thanks!


Happy to have helped. Good luck. :)


How has the real estate investment turned out?


How much of this did you follow when you made millions suddenly?


Wow that sounds super smart! Good for you!


I agree with you. I'm trying to decide how quickly to diversify, and also if I want to buy stock for LTCG (conclusion, I don't).

Agree - 'life' money change to 'car' money is disheartening.

Good perspective, thanks!


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