Pay off family debt, upgrade our home, or keep everything on S&P 500?
2025.01.21 08:24 Plane_Tradition5251 Pay off family debt, upgrade our home, or keep everything on S&P 500?
What would u do?
Here's my situation:
- I’m 40, married, with two young sons.
- I have about €400k in SPY (S&P 500) and a stable monthly income.
- My current apartment is worth €250-300k, with a mortgage of €80k (€700/month). If I rented it out, I could get around €2k/month.
- A bigger home for my family would cost at least €600k, maybe even €1M for something new.
- My dad and sister are struggling with a combined mortgage of €380k. My dad is retiring in six months, and my sister doesn’t earn enough to cover the payments.
- Pay off their mortgage – Help my family by clearing their debt, but it might mean postponing my own financial goals.
- Buy a bigger house for my family – Give my kids more space and stability, but take on a much bigger mortgage.
- Keep everything in SPY – Let compound interest work for the long term, but feel guilty for not addressing immediate needs.
What would you do in my shoes? Is it better to focus on helping family, securing my own future, or letting the market do its thing?
Appreciate any advice or similar experiences :)
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2025.01.21 08:24 Lonely_Ad_5665 I've owned only red and white shoes for the past 3 years
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2025.01.21 08:24 Illustrious_Dust_985 ¿Es realmente la masturbación mala? Al menos en medida moderada.
Es que haber, si una persona no sabe nada de cómo fun su cuerpo y como se excita y le controlas a alguien mínimo adolescente o adulto joven que no se masturbe, tu este tenga una vez relaciones con personas reales eso puede ser altam traumático al sobre exponerse a intensidades hormonales a las que no está acostumbrado, incluso salir confundido. Eso sí en gente que la conoció solo, hay desgraciados que le andan dando porno a niños, esos deben ser castigados. Pero en general fuera de casos obvios, las masturbación es necesaria para encontrar lo que de verdad puedes valorar de tus cuerpo. Cuando yo tuve mi primera eyaculación (sé que es un dato íntimo y entiendo si se siente fuera de lugar) me asusté y todo y temía haberme orinado, esa clase de cosas puede intimidar a cualquier hombre o mujer. Entonces uno al menos sabe qué le puede gustar si lo ha explorado antes, por eso el hentai y la masturbación son necesarias (nombró el hentai para incentivar la prostitución y el porno LA menos)
submitted by Illustrious_Dust_985 to RedditPregunta [link] [comments]
2025.01.21 08:24 monatomone Got some mini Lalaloopsies today!!
 | This is Mini Tinny Ticker and Dyna Might with the pogo playset! This pogo stick is the first actual playset I’ve ever gotten lol. It’s quite cute. I’m keeping Tinny in her box since she’s still positioned right while Dyna Might was um, not in optimal shape for her box lol submitted by monatomone to LalaloopsyDolls [link] [comments] |
2025.01.21 08:24 Glass_Cupcake_4311 Will I get a job at ditto insurance?
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2025.01.21 08:24 BasedChadEdgelord His mess up is our meme sauce 🤣
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2025.01.21 08:24 antonio400 Icecrown, Devoluy, France, Sony A7C + Tamron 28-200
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2025.01.21 08:24 Aseskytle_08 Jarvis,im low on karma
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2025.01.21 08:24 dork9000 First Longines. I fear it won't be the last...
 | Managed to convince my (now) fiance that when I got her an engagement ring that she would get me a watch of similar value. Absolutely smitten with the Zulu time. Anyone got any suggestions for NATO straps that fit that awkward 21mm? I have a leather I don't mind but prefer a NATO when I'm bored of the titanium. submitted by dork9000 to Longineswatches [link] [comments] |
2025.01.21 08:24 TheHarshTruth2020 Dropdown - Recalling a grouping of cells (table) in another sheet
Not sure if the title gives the greatest example but basically what I’m trying to do is set up a drowndown recall for information on another sheet. Sheet 1 would have the drop down and would recall the grouping of cells that is being targeted from sheet 2, and list it in sheet 1 next to the dropdown.
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2025.01.21 08:24 AutoModerator Exchange FUNToken to Ravencoin instantly
 | Exchange FUNToken to Ravencoin instantly, without registration and hidden fees. Full automation, maximum speed and the best exchange rates. secureshift.io submitted by AutoModerator to secureshift [link] [comments] |
2025.01.21 08:24 BeneficialHair3301 What is your favorite vacation place?
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2025.01.21 08:24 __melle__ Save Big on Your Tesla + Support a Fellow Enthusiast!
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2025.01.21 08:24 Hussein_Elhaddad Installation Hesitation
I have an IPhone 12 with IOS 18.2.1. I was going to install unc0ver but i have some questions.
1- I am already suffering with battery life, would jailbreak make jt worse?
2- Can i even install jailbreak on ios 18.2.1?
3- I know that the majority of jailbreaks supports only old ios versions, i was wondering would this make that phone look old, wouldn’t it support newer features,..?
4- Is there any real risks for having jailbreak?
5- Should i doubt jailbreak’s privacy? I mean what should make me trust a developer that I don’t know anything about and give him access to the whole device?
Ig that’s enough. Thanks for reading and answering.
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2025.01.21 08:24 watashisatoshi LF: Zarude, Pecharunt, shiny Zygarde, Meltan, other shiny event legendaries
 | https://preview.redd.it/4yroh8pq3bee1.png?width=1290&format=png&auto=webp&s=3c3bd87329cc3b3bb6f5268ce94e895b564503ad submitted by watashisatoshi to PokemonHome [link] [comments] |
2025.01.21 08:24 paulbean What is PSR-6? A Beginner’s Guide to PHP Caching Standards
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2025.01.21 08:24 bansheehallows I've been thinking of getting this, anyone got any sound advice/reviews of this rifle?
 | I'm just browsing stuff like Sportsmans/gun stores in my area, and came across this. It's definitely something that's budget friendly for I, mainly cuz for now I don't have the highest paying work. I've also have been wanting to increase the volume of the locker for a bit, so any helpful advice or reviews that can be found are helpful _. submitted by bansheehallows to Firearms [link] [comments] |
2025.01.21 08:24 curvy_deaar The cutest little otter 🥹
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2025.01.21 08:24 GlitteringSecrecy Finally hit 300!
 | I used a slow dodge spam team, so it took FOREVER, but I finally got the achievement. Now I never want to touch the farmstead again (I will, I still have more achievements to get there lol) Honestly, I probably could have kept going indefinitely? My team felt pretty immortal, lol, but as soon as I hit three hundred I just fucking DIPPED https://preview.redd.it/2y8chg5d1bee1.png?width=345&format=png&auto=webp&s=21ab44db9e4dbe8ee60d28cce6a7401ebf03dacd Team used: Shieldbreaker - Mostly alternated between Pierce and Impale - Spectral Speartip/Ancestor's candle Crusader - Mostly spammed battle heal/inspiring cry to keep health topped up and stress low, swapped between Smite or Stunning Blow if no healing was necessary - Ancestor's scroll/Camouflage Cloak Antiquarian 1 - Spammed Dodge Vapors or Get Down if shuffled, used Healing Vapors if I was desperate to get someone off death's door - Smoking Skull/Camouflage Cloak Antiquarian 2 - Same move set as the first Anti - Ancestor's Coat/Camouflage Cloak submitted by GlitteringSecrecy to darkestdungeon [link] [comments] |
2025.01.21 08:24 shoondii How we looking?
1 mill in bank and 2 FT. Just had a pretty banging week probably going to get Roger’s in for Palmer this week, should I be looking to get isak in somehow or anyone else?
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2025.01.21 08:24 ShevaunBDA Dark fit
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2025.01.21 08:24 Quax-der-Bruchpilot … Steven
 | Cracked me up how he called him Steven in the end submitted by Quax-der-Bruchpilot to DunderMifflin [link] [comments] |
2025.01.21 08:24 telex_bot Nem viselték jól az ázsiai autó- és akkumulátorgyártók, amit Trump a vámokról mondott
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2025.01.21 08:24 SweetQWilliam Looking for anime with fate is cruel ahh endings
I'm looking for anime where the ending is something along the lines of "we gave it our best shot, but in the end we are stilled left with a messed up world/situation/sacrifice"
Examples/Stuff I've already seen:
- Steins;Gate 0
- Clannad: After Story
- AOT
- Future Diary
- Fate Zero and Heaven's Feel
- Cowboy Bebop
- Akame ga Kill
2025.01.21 08:24 OneMightBeMe Dreamt of old house being invaded by men, oh and Bruce Willis
I woke up holding my breath and feeling like I was suffocating. Prepare for a lengthy description. Its still very fresh in mind. What I remember from dream is this...
I had moved into a house that was both familiar to me but was being treated as if I was just moving in for first time. I kept referring to "we" regarding this house and I assume I mean my husband. I have a moment telling my husband to pick a room he thinks could our master bedroom and the others would be offices.
I then somehow end up by myself inside house. I then suddenly question what outside looks like. So I go outside and find it hard to see the outside of house. I keep backing up farther into yard to see it. Finally see it's a small 2 story with small porch. It's a light blue slate color siding. Has brick at foundation.
I suddenly think about having a space for dog. Look at yard next to house that connects to neighbor. I want to call a guy to come find property line so not to encroach on their side. I want to put a white picket fence. Then neighbor appears. We discuss it. She is mad at first as she doesn't agree with where they say line is. But then is friendly with me. I invite her over to see house.
Then immediately I am inside with neighbor woman and I get the feeling she is a good friend despite just meeting her? but I cannot place her. But I am safe with her. I start to show her house. It's a fairly older home. Has wood floors. Needs updated but isn't falling apart. It's empty and a few rooms still have remnants of previous owner. At one point I tell my friend about previous owner and I get feeling they had passed. I make a comment about bringing sage into the house. I take her into what might be a sitting room and indicate it was found cluttered but they cleaned most of it out. There is a wall with shelves that hold old toys that seem vintage and/or used/loved. I recognize several items that were popular from when I grew up. One was a cookie monster stuffed animal. I never had one but it reminded me of items I did have. Then I show her the other empty rooms. Some of the lights don't work and it's getting dark out.
I take her upstairs to show her rooms. Then suddenly I want to show her down stairs but it's filled with people like a party. I must know we were inviting people over? But I'm mad others are there I don't know drinking and eating. It's packed the further I go into each room downstairs. I'm not clear on where I'm headed but I'm trying to get through. My neighbofriend is following me and gripping my hand to not lose me. I'm audibly telling people to get out as I don't know them. A few don't know who I am and seem annoyed I'm telling them to leave. I tell them I love there. Finally people are leaving.
At some point I made it outside and discover neighborhood house was in changed. It's now next to a downtown area. I am greeted with children that once again I apparently know and feel it but don't recognize them. One is on tricycle. A woman is helping them. And a man in leather jacket approaches. He seems to wants to confront woman but then 3 men appear. They are threatening woman and kids. The leather jacket guy now suddenly is protective and tries talking to men while indicating us to go in house for safety. We run into house.
Suddenly I am running through house looking for my parents as if i was a kid. I am yelling daddy. And I go to one room and a young girl is sleeping. I wake her up asking where mom & dad are. She says I don't know room they chose. So I go running to each room. Finally enter a room yelling for Daddy. A woman I seem to identify as my mom (though she looks nothing like my mom)says he is in bathroom. I turn and he walks out. I say daddy there are men in house invading. I said a man and a woman are trying to help us. The men have guns. He nods. Also I forgot to mention this man I call daddy looks like Bruce Willis??? And he says to me to get everyone and take them in room and lock door. He goes out to hallway with me. He meets leather jacket guy and woman. Both have guns to use. He tells them he will help. I grab others and barricade us in room.
I hear fighting and I am terrified. And then I wake up holding my breath and then start to gulp air to breathe again.
I am literally writing this like moments after dream as it is still so vivid and panic is still lingering in my chest.
Thoughts?
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