Your inheritance,
finally decided.
Answer 5 honest questions. Get a personalized plan in 10 minutes — built around your numbers, not generic advice from someone who doesn't know you.
Recommended allocation
FIRE projection
at 6% / year, age 45The expensive default
Most inheritors lose
$14,000 in year one.
Not from bad markets — from preventable mistakes. The cousin who says “put it all in crypto.” The advisor who charges 1% forever. The Roth IRA they never opened. The credit card balance they kept paying minimums on while a brokerage sat untouched.
Inherited stocks reset cost basis
If you inherited brokerage assets, you can usually sell with zero capital gains tax. Most young inheritors never know this. It can be worth tens of thousands.
High-interest debt costs more than markets earn
A 22% APR credit card balance eats every dollar of investment return — and then some. Paying it off first isn’t boring. It’s mathematically optimal.
Advisor 1% fees compound against you
On $100k over 30 years, a 1% AUM fee silently removes ~$180,000. Most people 18–35 don’t need an ongoing advisor — they need one good decision.
Inside the plan
What your plan
actually says.
No corporate hedging. No “consult a professional” non-answers. The plan a smart, money-literate friend would write you — if your friend actually knew money.
01. Your situation at a glance
You're in a strong position. $120k at 27, a stable income, and one credit card balance that's manageable but worth killing fast. The instinct most people in your shoes have — invest aggressively — is half right. Here's the cleaner play.
02. The first move
Before anything else, open a high-yield savings account at Marcus or Ally and park $18,000 there. That's your six-month emergency fund — non-negotiable, untouchable. It will earn ~4% APY while it sits. Then open a Roth IRA at Fidelity and max it for the year ($7,000) before April.
03. What to do with the debt
Pay your $4,200 credit card balance in full this week. At 22% APR, every month you carry it costs you more than your inheritance will earn invested. This is the single highest-return move…
Want more detail?
Three places to look next.
Ten minutes from now
You'll have a plan
that's actually yours.
Stop scrolling Reddit threads. Stop dodging the question. Get a calm, honest plan and move on with your life.
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