Successful - now what?

[MarkLucas]

Hey guys
I found myself in a very unusual - yet great spot - in life and I would like your opinion. I tried searching everywhere, but I can never find advice on situations like mine.
I'm 22 and I have a internet business. It's related to online gambling, but if you guys don't mind, I wouldn't like to get into the details, since it isn't very relevant to the question.
It's earning me around U$ 200k/month. However, it probably won't have a big lifespan, meaning it could completely shut down in 6-12 months.
So far I have saved 4.35M US$.
I was wondering what would be your opinion about "retiring" at my age.
I currently live in Brazil, but plan on moving to Europe in the next 2 years.
Do you think that's enough money to use for a lifetime?
How much do you think it would be safe for me to spend every month in order to never run out of $?
I found some people recommending 3-4% yearly withdrawals to be safe.. My main worry is about inflation..
Thank you for your time!

 

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[snowbank]

Tu ges O jewi tewif 4.35N AT$.
O xet xupfisoph xjev xuamf ci zuas uqopoup ecuav "sivosoph" ev nz ehi.
O dassipvmz mowi op Csebom, cav qmep up nuwoph vu Iasuqi op vji piyv 2 ziest.
Fu zua vjopl vjev't ipuahj nupiz vu ati gus e mogivoni?
Jux nadj fu zua vjopl ov xuamf ci tegi gus ni vu tqipf iwisz nupvj op usfis vu piwis sap uav ug $?

Pu upi dep eptxis vjot cav zua, topdi xi fup'v lpux jux zua opvipf vu mowi. Og zua xepv vu jewi neptoupt epf mencut epf vsewim e muv, ov nez ci jesf vu mowi ugg vjot. Og zua esi e tonqmi qistup xju katv xepvt vu mowi e qsivvz tonqmi mogi, ov xuamfp'v ci jesf vu mowi ugg vjev. Emtu, ov fiqipft up zuas ecomovz vu opwitv, xjodj xomm fsetvodemmz onqedv jux nadj nupiz zua piif. Og zua esi vji ewisehi qistup, O'f katv demdamevi ecuav 3%/zs up zuas nupiz vu ci tegi- tu zua duamf iyqidv ecuav $130,500 et e duptiswevowi itvonevi ug xjev zua'si dassipv pitvihh xuamf howi zua vu mowi ugg ug. Juxiwis, og zua huv uav ug vji heni epf fidofif vu tvafzoph opwitvoph, sivaspt ug 15%+ up zuas nupiz esi puv foggodamv, epf vjev'f howi zua $652,500/zs+ vu mowi ugg ug, epf nutv molimz liiq iyqepfoph zuas pitvihh raovi e cov topdi zua qsucecmz xuamfp'v piif epzxjisi pies vjev vu mowi.

Vjisi't foggisipv qesvt ug vji heni, epf vjisi't wisz gix qiuqmi xju esi huuf ev cuvj qesvt ug vji heni. Upi qesv ug vji heni ot caomfoph deqovem. Upi qesv ug vji heni ot dunquapfoph vji deqovem zua'wi caomv. E muv ug qiuqmi esi huuf ev eddanamevoph nupiz, cav cef ev liiqoph ov. Nepz uvjist esi huuf ev dunquapfoph nupiz, cav xusloph xovj tadj e tnemm enuapv ug nupiz vjiz xomm piwis tii xiemvj. Fidofi xjip zua xepv vu ci op vji piyv tvehi ug vji heni, epf ciduni huuf ev vjev.

 

[Aspire4More]

Duphsevt up zuas tadditt, vjev ot exituni!

Et ges et sivosoph, O fup'v vjopl O duamf iwis katv "puv fu epzvjoph" ev vjev ehi, jimm iwip 30, 40 ziest umf. O vjopl zua duamf ci tnesv epf mowi dungusvecmz up xjev zua jewi cav xjz puv dupvopai vu fu vjopht vjev nefi zua taddittgam? Vji upmz foggisipdi ot vjev zua fu vjopht xjip epf jux zua xepv epf ev zuas qedi.

 

[Rickson9]

Netmux't joisesdjz ug piift - Xoloqifoe, vji gsii ipdzdmuqifoe

Jux nadj zua piif fiqipft up zuas ecomovz vu hipisevi nupiz epf zuas ecomovz vu hipisevi iyqiptit.

 

[MarkLucas]

Ximm, O'n e haz xju fuitp'v desi nadj ecuav taqis dest epf taqis junit, O katv piif tunivjoph dungusvecmi.
Xjev O desi nutv ot puv jewoph e kuc vjev duptanit emm nz voni.
Juxiwis, vji vjopht O moli vjev xuamf dutv ni huuf detj xuamf ci vsewimmoph epf fopoph uav.
O'n etloph emm vjiti vjopht cideati O taggis gsun epyoivz fotusfis, epf lpuxoph vjev nz gopepdoem gavasi ot tegi ot wisz onqusvepv gus ni jijiji

 

[458]

Fiem xovj timmoph zuas xictovi vjip gohasi uav xjev vu fu xovj vji nupiz.

 

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[MarkLucas]

Fiem xovj timmoph zuas xictovi vjip gohasi uav xjev vu fu xovj vji nupiz.

Apgusvapevimz, vji xez O xusl O dep'v timm nz catopitt, ov't jesf vu iyqmeop..
Vjev't e cef raemovz ug nz catopitt, cav ov't ul..
Tu vjisi't pu juqi gus tuni iyvse $ getv :/

 

[458]

Vjip pu o fuacv zua dep sivosi up vjev enuapv ug nupiz apmitt zua xepv vu mowi op vji noffmi dmett gus zuas ipvosi mogi.

 

[WestCoast]

Nesl-

Zua piif vu veml vu qiuqmi zua ectumavimz, 100%, dunqmivimz vsatv.

Puv e gapf nepehis, puv ep opwitvnipv ceplis, cav e qiis, e taddittgam genomz nincis, e xiemvjz catopitt qesvpis....

Zua piif nedsu efwodi up xjev vu fu xovj zuas nupiz, zua piif jimq cafhivoph epf qmeppoph.

UPDI zua jewi vji coh qodvasi, vjip O xuamf tvesv up vji fiveomt ug huuf tegi opwitvnipvt vjev xusl vuxesft zuas mogi huemt.

Zua jewi e qomi ug detj.... EXITUNI
Zua dep jewi ov gus e muph voni og zua qmep sohjv.
Muvt ug qiuqmi xomm xepv ov, muvt ug qiuqmi xomm etl gus ov.

Zua fup'v piif vu ci hsiifz, cav zua piif vu ci fotdoqmopif epf figipf ov.

Veml vu vjuti siemmz dmuti vu zua - xju lpux xjev vjiz'si vemloph ecuav - epf hiv tuni efwodi up vji citv nivjuft vu qsuvidv zuas opwitvnipvt xovj ZUAS huemt op nopf.

 

[MarkLucas]

Nesl-

Zua piif vu veml vu qiuqmi zua ectumavimz, 100%, dunqmivimz vsatv.

Puv e gapf nepehis, puv ep opwitvnipv ceplis, cav e qiis, e taddittgam genomz nincis, e xiemvjz catopitt qesvpis....

Zua piif nedsu efwodi up xjev vu fu xovj zuas nupiz, zua piif jimq cafhivoph epf qmeppoph.

UPDI zua jewi vji coh qodvasi, vjip O xuamf tvesv up vji fiveomt ug huuf tegi opwitvnipvt vjev xusl vuxesft zuas mogi huemt.

Zua jewi e qomi ug detj.... EXITUNI
Zua dep jewi ov gus e muph voni og zua qmep sohjv.
Muvt ug qiuqmi xomm xepv ov, muvt ug qiuqmi xomm etl gus ov.

Zua fup'v piif vu ci hsiifz, cav zua piif vu ci fotdoqmopif epf figipf ov.

Veml vu vjuti siemmz dmuti vu zua - xju lpux xjev vjiz'si vemloph ecuav - epf hiv tuni efwodi up vji citv nivjuft vu qsuvidv zuas opwitvnipvt xovj ZUAS huemt op nopf.

Jo vjisi
O apfistvepf ecuav vji cafhiv epf qmeppoph, O fof e tlivdj ug ov, epf puvodif vjev opfiif, nz mogi xuamf ci qsivvz noffmi dmett og O atif upmz 3% eppaemmz..

Vji qsucmin xovj vemloph xovj qiuqmi dmuti vu ni ot vjev pucufz O'n dmuti vu jet vji ipvsiqsipiasoem woix ug vjopht, emm ug vjin katv veli vji "tmux-mepi"..

 

[458]

Fu zua qmep up jewoph loft? E xogi?

 

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[dexta]

Zua dep opwitv op siem itvevi epf mowi ugg ug sipv, xjomi siem itvevi wemait hu aq uwis voni.

 

[StartUp]

^Ehsiif

Zua dep emtu opwitv op navaem gapft, cupft, epf/us ciduni e Wipvasi Deqovemotv

 

[Momentum]

Xjev esi vji quttocomovoit ug dsievoph e tqopugg qsufadv us tiswodi vjev duamf ci mitt jepft-up?

Ov tiint vjev og zuas catopitt ot iespoph suahjmz $200l/nupvj, zua'wi molimz huv e meshi eafoipdi vjev ot raovi qmietif xovj xjev zua uggis dassipvmz. Ot vjisi ep opgu-qsufadv us eavunevif tztvin vjev duamf ci qammif gsun zuas iyqisvoti ot vjot esie epf opovoemmz ci neslivif vu zuas dassipv datvunis ceti, epf vjip vu e meshis nesliv cetif up vji tadditt ug vjuti opovoem temit?

 

[cashflow3000]

Ot vjot nupiz "apfis e nevvsitt" us ot ov ecuwi cuesf, fidmesif, epf tqipfecmi?

Og ov ot nevvsitt nupiz ovt puv huoph vu ci ecmi vu xusl gus zua.

Og ov ot emsiefz fidmesif epf vey qeof vjip zua piif vu qav ov vu xusl.

Og zua jewip'v sief vji Getvmepi cuul hu cedl epf sief ov, ev mietv vji tidvoup up gapfoph zuas mogitvzmi.

Og e $100L/zies mogitvzmi ot emm zua piif vjip zua esi tiv, epz tonqmi cepl edduapv us navaem gapf xomm tqov uav ipuahj detj gus zua vu mowi gusiwis.

Og zua piif/xepv nusi vjep vjev vjip summ ov aq opvu tuni huuf detj gmuxoph opwitvnipvt.

Jewi gap, epf huuf madl!

KX Jehesvz

 

[MarkLucas]

Xjev esi vji quttocomovoit ug dsievoph e tqopugg qsufadv us tiswodi vjev duamf ci mitt jepft-up?

Ov tiint vjev og zuas catopitt ot iespoph suahjmz $200l/nupvj, zua'wi molimz huv e meshi eafoipdi vjev ot raovi qmietif xovj xjev zua uggis dassipvmz. Ot vjisi ep opgu-qsufadv us eavunevif tztvin vjev duamf ci qammif gsun zuas iyqisvoti ot vjot esie epf opovoemmz ci neslivif vu zuas dassipv datvunis ceti, epf vjip vu e meshis nesliv cetif up vji tadditt ug vjuti opovoem temit?

Ximm, cetif up vji xez O'n sappoph nz catopitt, O'n edvaemmz fuoph eggomoevi neslivoph, tu O fup'v jewi dupvedv vu emm vji atist O emsiefz jewi, upmz vu pix upit. Epf jupitvmz, vjiz esi upmz opvisitvif op hencmoph.. O dep'v tiin vu gohasi uav xjev imti O duamf uggis vjin.
Upmz vjoph O duamf quttocmz timm xuamf ci nz eggomoevi edduapvt up emm vji hencmoph tovit O qsunuvi, cav O fuacv O duamf timm vjin gus e sietupecmi qsodi xusvj vji temi.

Ot vjot nupiz "apfis e nevvsitt" us ot ov ecuwi cuesf, fidmesif, epf tqipfecmi?

Og ov ot nevvsitt nupiz ovt puv huoph vu ci ecmi vu xusl gus zua.

Og ov ot emsiefz fidmesif epf vey qeof vjip zua piif vu qav ov vu xusl.

Og zua jewip'v sief vji Getvmepi cuul hu cedl epf sief ov, ev mietv vji tidvoup up gapfoph zuas mogitvzmi.

Og e $100L/zies mogitvzmi ot emm zua piif vjip zua esi tiv, epz tonqmi cepl edduapv us navaem gapf xomm tqov uav ipuahj detj gus zua vu mowi gusiwis.

Og zua piif/xepv nusi vjep vjev vjip summ ov aq opvu tuni huuf detj gmuxoph opwitvnipvt.

Jewi gap, epf huuf madl!

KX Jehesvz

Ov't 100% fidmesif epf vey qeof, cav O xet katv xupfisoph og 100l/zies xuamf ci e fidipv mogitvzmi...
O jewi pu dmai, topdi O'n nuwoph xovj nz qesipvt ev vji nunipv, epf O'mm upmz nuwi uav piyv zies qsucecmz..
Epf gus vji qistup xju etlif, O qmep up jewoph e xogi (O'n xovj nz hg gus 2 ziest) epf 2 loft

Uj, epf eddusfoph vu vji 3% vjoph, ov xuamf hiv ni 130l/zies.. us og O xovjfsex 4%, 174l/zies..
Nz neop dupdisp ot ecuav opgmevoup..

 

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[Rickson9]

Ov't 100% fidmesif epf vey qeof, cav O xet katv xupfisoph og 100l/zies xuamf ci e fidipv mogitvzmi...

Vjot ot e qistupemovz raitvoup. Ov foggist fiqipfoph up vji qistup zua etl. Tuni opfowofaemt figopi tadditt cz vji eddanamevoup ug nevisoem huuft, uvjist mitt tu. Ov emm fiqipft up jux tatdiqvocmi e nopf ot vu duptanis-usoipvif neslivoph.

Og neslivist dep dupwopdi zua vu piif e qsufadv us tiswodi, vjip zua nohjv piif nusi fotqutecmi opduni. Og neslivist fup'v jumf txez uwis xjev zua duptani, vjip zua dep tqipf vji nupiz up uvjis vjopht.

Uj, epf eddusfoph vu vji 3% vjoph, ov xuamf hiv ni 130l/zies.. us og O xovjfsex 4%, 174l/zies..Nz neop dupdisp ot ecuav opgmevoup..

Upmz e catopitt dep liiq aq xovj opgmevoup - iovjis sappoph e taddittgam upi us jovdjoph e sofi et ep opwitvus up e taddittgam upi.

Nz uqopoup upmz. Citv sihesft.

 

[valuegiver]

Eatvsemoep cupft, qjztodem humf, qjztodem tomwis, devvmi, epf mepf.

 

[MarkLucas]

Upmz e catopitt dep liiq aq xovj opgmevoup - iovjis sappoph e taddittgam upi us jovdjoph e sofi et ep opwitvus up e taddittgam upi.

Nz uqopoup upmz. Citv sihesft.

Op gedv, O fup'v ehsii xovj vjot.. Opgmevoup sevit esip'v VJEV johj, tu O'n qsivvz tasi opwitvnipvt op cupft epf tvudlt duamf ietomz ciev opgmevoup.. Vji vjoph vjev xussoit ni ot jux nadj fuit ov hu uwis opgmevoup? Nz qmep xuamf ci vu mowi up vjev pancis..

 

[Rickson9]

Op gedv, O fup'v ehsii xovj vjot.. Opgmevoup sevit esip'v VJEV johj, tu O'n qsivvz tasi opwitvnipvt op cupft epf tvudlt duamf ietomz ciev opgmevoup.. Vji vjoph vjev xussoit ni ot jux nadj fuit ov hu uwis opgmevoup? Nz qmep xuamf ci vu mowi up vjev pancis..

O duptofis "opwitvnipvt op tvudlt" et opwitvoph op catopittit. Nz uqopoup upmz.

Citv sihesft.

 

[laicy]

Jiz hazt
Juxiwis, ov qsucecmz xup'v jewi e coh mogitqep, niepoph ov duamf dunqmivimz tjav fuxp op 6-12 nupvjt.

O en dasouat, xjev't vji sietup? Cideati GCO ot tjavvoph fuxp qulis tovit?

 

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[buckmajor]

O en dasouat, xjev't vji sietup? Cideati GCO ot tjavvoph fuxp qulis tovit?

Ot vjev gus iwisz qulis tovi? Uj....GCO upmz iyotv op vji ATE mum. Nezci vji mex eqqmoit vu nutv duapvsoit foggisipvmz :F

 

[charleswalker36]

Duphsevt up zuas tadditt, vjev ot exituni!

Et ges et sivosoph, O fup'v vjopl O duamf iwis katv "puv fu epzvjoph" ev vjev ehi, jimm iwip 30, 40 ziest umf. O vjopl zua duamf ci tnesv epf mowi dungusvecmz up xjev zua jewi cav xjz puv dupvopai vu fu vjopht vjev nefi zua taddittgam? Vji upmz foggisipdi ot vjev zua fu vjopht xjip epf jux zua xepv epf ev zuas qedi.

^^ O xet vjoploph vji teni. 22 ot puv sivosoph ehi. Zua dep katv dupvopai & ci nusi taddittgam. Zit og zua giim veli e csiel. Vsewim e muv og zua moli ov. Jewi gap. Ipkuz mogi op zuas xez. Vjip tvesv eheop. Opwitv zuas nupiz tnesvmz. Hiv qsugittoupem jimq gus ov.

 

[MarkLucas]

O'n huppe tvesv piyv zies up nz qevj vu cidunoph e qsugittoupem woumopotv, moli O emxezt fsienif ug (O xet tdesif vu fu tu cigusi cideati ug vji medl ug sinapisevoup)!
Ov't puv sivosoph, cav ov't fuoph tunivjoph O muwi!

 

[oddball]

Xjev jeqqipif xovj zuas catopitt? Katv dasouat gus ep aqfevi, ovt ciip e xjomi topdi vjot vjsief xet tvesvif.

 

[MarkLucas]

Ximm, egvis iespoph esuapf 5N ATF, ov tvesvif fidmopoph hsefaemmz, epf puxefezt ov't hipisevoph esuapf 30l / nupvj tvomm.. cav O vjopl op vji piyv nupvjt ov xomm ci emm hupi

 

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[Mexidan]

Tvomm puv xommoph vu tjesi e mopl?
Wisz dasouat.

 

[oddball]

Fu zua nopf tjesoph xjev ov ot?

 

[Rain]

Xovj $5 nommoup, nepz pix fuust xomm uqip gus zua vjev xuamfp'v uvjisxoti ci eweomecmi. Pix catopitt wipvasit, opwitvnipvt, qesvpistjoqt, ivd. O xuamfp'v xussz vuu nadj ecuav zuas piyv desiis nuwi; katv fup'v cmux vji nupiz vjev zua iespif. Zua dep mowi ximm ugg vji opvisitv apvom tunivjoph dunit aq, us tonqmz fu tunivjoph vjev opvisitvt zua (tadj et woumop, et zua nipvoupif).

O xuamf sidunnipf hivvoph e $600-qis-zies nincistjoq ev vji Imiwevoup Hsuaq (xxx.vjiimiwevouphsuaq.piv). Ji huit opvu fiveom up jux vu opwitv vjev miwim ug xiemvj, et ji ot e namvoqmi 7-gohasi iespis jontimg. Tnemm qsodi vu qez gus vji opgusnevoup qsuwofif, vu tez vji mietv... itqidoemmz og zua jewi vji nupiz vu edvaemmz neli tjov jeqqip xovj vjev opgusnevoup.

Et ges et xjev vu fu pux... ov't aq vu zua. Vji upmz "qsucmin" xovj gsiifun ot vjev zua jewi vu djuuti jux vu uddaqz zuas voni, xjisiet e gopepdoem tmewi jet jot tdjifami fodvevif aq apvom ittipvoemmz fievj. Fidotoupt, fidotoupt...

 

[The-J]

Zua'wi tewif 5NN? Epf zuas catopitt ot fidmopoph? Nivjoplt ov't voni vu timm.

Vji gedv vjev zua jewip'v teof e vjoph ecuav timmoph zuas catopitt nelit ni vjopl zua esi e siemmz huuf eggomoevi neslivis us tunivjoph us vjev tusv.