Ask HN: If you were suddenly Financially free, what would you do next?

28 points by lifeisstillgood ↗ HN
An aged Texan Billionaire mistakenly leaves you enough in his will to pay of mortgages, debts and have enough to pay your own salary for the rest of your life.

You finish that stack of books on the bedside table, get the exercise regieme sorted, and then ...

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I sit down and type out the ideas I have for the two video games I want to make.

I use Midjourney to generate assets.

I hire a programmer who has made games before, to help me make the first playable level 1 for game 1.

I buy ads on Reddit to get people to play the first demo. I leave comments enabled on my ads.

And then I hire more people and we keep working on the game for a few months.

Then I buy more ads to get people to play the demo that we have now.

And then we finish making the game and I start selling the final product.

We then proceed to work on the next game.

After we have finished the second game, we will see what to do next.

Send my kid to international school :)
Depends on how much money I have. I’d like build a small community where food, stay etc will be free. And invite creators to come over and create anything - books, art, software…
> I’d like build a small community where food, stay etc will be free.

Could anyone come live there?

Yes. I suppose there should be some minimal rules (no politics, no religion etc) but otherwise people would be free to create whatever they want to.

There was an article on HN few weeks ago, about a Russian open source programmer. He was going through tough times in his personal life, while also taking abuse from users of his project. People who were paying him nothing, while also abusing him online. If I had the money, I’d like to support people like him. Same goes for people who make educational materials, books etc without expecting anything in return.

Invest money on companies who want to improve our life
> and then

And then some years later you get arrested for money laundering :)

OR

> and then

The Texan's billionaire's relatives sue you for the inheritance.

i.e. not really that free. Always caveats.

I always thought money is only useful insofar you do things with it
I'd keep working on my current website. I genuinely love what I'm doing and the impact it has.

However I would no longer have to think about business and monetisation. I could open up the code and the content to pull requests and focus on creating a public good.

More specifically, I could focus on tools to help immigrants against greedy landlords, not the finance/insurance content that pays the bills. I would not have to split my time between both.

Buy a boat and spend my life getting blown about the oceans a few years ahead of schedule. Probably spend some of it helping out other people who seek or live the same sort of life since it would be more money than I would ever need.
I would invest half my life in experimental horticulture. I would start by attempting to create a more winter hardy, and thus potentially perennial, gourd similar to butternut squash and fairy tale pumpkins. The goal of this is to create a sustainable food item that adds cheap filler for processed foods that greatly increases health of people in industrialized nations and provides abundant access to nutritious calories for people in developing nations. I also noticed gourds are extremely prone to damage by various moths and swarming insects while watermelons are not. I would solve for this gap as well.

The other half of my life would be invested in creation of decentralized communications, which means no servers. No web servers, no data economies. Just direct connections between trusted users and for each user to have trusted direct access to their personal devices. I have already started on this, but its challenging. The technology is challenging, but the greater challenges are from existing less efficient data economies and the ignorance of the people therein.

66% if my time I would spend it on myself (getting healthier, getting mentally stimulated, etc.) 34% of my time would be spent trying to solve the biggest problems of humanity (for this I would ask my benevolent Texan Billionaire more money; I guess that would be no problem for them).
sex and not drugs and rock & roll...and move to a warm place...and sleep conspicuosly
From my own experience and by observing those close to me I conclude that if it's not something you already do, you won't be doing it when you have free time/ money.

An older relative collected scrap metal saying that when he retired he'd become a sculptor. But he never sculpted anything in his off hours and when he retired he also didn't.

It has to be burning in you, not some idle fantasy.

Did he continue collecting scrap metal though? Maybe this was his true passion.
>if it's not something you already do, you won't be doing it when you have free time/ money.

And why would you already be doing so much of something you didn't enjoy at all?

Also if it's something you really can enjoy why would you want to stop?

As long as I have a roof over my head why not continue, even if that was only the roof of my van after natural disaster.

I have no mortgages or debts, just other obligations which require regular payments not much differently than that, which cannot be "paid off" regardless of whether I'm working for a regular income or those funds were to be coming in some other way which required no further effort or attention.

That's why I work for my present employer to begin with, but it does keep me away from people I care about and those that care about me far too much. For so long everything I do must contribute foremost to "survival activities" even though I'm old enough for there to be no real recovery in my lifetime to very much of a fraction of the potential I lost before serial natural disasters have occurred.

Since that's the case I've been in anyway, I have made sure to do way more than necessary while I am at work, even though this employer showed their limitations to accept my proven growth approaches quite early. I wanted to finish the job I started on their terms if that's all there is, it's their company not mine. I will now be moving to a more generous employer where I will be able to have opportunites for more prosperous partnerships together for the first time in 20 years since closing my first company about a decade ago.

>Did he continue collecting scrap metal though? Maybe this was his true passion.

We both started out collecting surplus electronics in the 1980's, separating the wheat from the chaff IOW the worthwhile from the scrap. Still can get more out of second-hand instruments than others operating brand new.

For some time there's been another really wealthy Texas acquaintance who has been been doing a lot with electronics, computer science, and chemistry himself and has prospered quite remarkably in ways that I could not contribute to nearly as much without these years of recovery behind me. I could have started all over again in his distantly-related field, but not the one where I would be able to recover previously established international leadership. Even though he was well set and expressed interest years ago, we were both having nowhere near the potential that exists today, and could result in combining efforts & resources together with my new laboratory employer whom I have been much closer with for four decades not just one decade. Anything I invent now (if it's good enough) can be taken around the world with the help of a rare capitalist combined with a familiar established company having a fledgeling international presence already. There's always been more money in making deals than actual labor (aside; why do you think it's called a laboratory anyway), I'm not a greedy person but know it's even better doing both while I still can.

It was just not the brightest outlook until I could recover to the degree I have, where I could once again consider myself to be self-sufficient financially (with the available help of Social Security retirement payments if I want them now), before I would be able to pull my own weight in a partnership with others who are quite self-sufficient themselves, even if my contribution did not need to be financial to begin with.

I'll still work 12+ hour days and take 2 days off per week, but pass on much more of what I know while bringing those who care closer to me.

I just want to work and have something to show for it, not have something to show without working for it.

>It has to be burning in you, not some idle fantasy.

It's good having a wealthy Texas benefactor who got that way working with his own hands, and as a capitalist has a much more s...

No, he abandoned it. Nothing stopped him from doing it, there was room and no stringent objections from anyone. He did have another hobby though, which he did during his working life and continued it for twenty years after.
You finish that stack of books on the bedside table, get the exercise regieme sorted, and then that’s it.

I get more books. I keep going on walks, jogs, and bike rides. I go to the coffeeshop. I go to the movies.

I'd keep working on OnlineOrNot tbh, it's fun
I have a friend you had a sizable exit from a startup he worked in for a long time.

He has formed many academic collaborations, teaches at several universities and delivers talks at many international conferences. Most of the time paying for his travel and accommodation expenses.

His motivation: to share his knowledge and experience with the next generation. An example of paying it forwards.

I would just spend more time to sleep, making music, cooking more meals, enjoy many hobbies as possible "OUTSIDE OF THE COMPUTER"
Primarily, I'd use it to give my son the best life he can have after contracting Guillian-Barre syndrome from the covid vaccine. A nice house close to me, money for the things he wants and needs and all the medical care and physical therapy he needs.

Having your life destroyed for doing the right thing is devastating, especially at 25 years old. He was valiantly still able to somehow continue working his remote tech support job until he was laid off. With the current market, it's unlikely he'll find work any time soon and even less likely to find an employer that will tolerate occasional days where the intense nerve pain is too much to bear.

Sorry to hear about your son’s injury. There is nothing more painful than watching your children suffer, and Covid vaxx injuries are a taboo topic (for some reason). Stay strong!
Thanks! I'm pro vaccines and just have to accept that he lost the vaccine lottery. The annual incidence of GBS is estimated to be between 1 to 2 cases per 100,000 vaccinated people.
Is it/can it be confirmed? So many people took multiple vaccinations - there will be cases when timing overlaps with something serious. I’m not taking sides, just curious.
It was confirmed. There is a government fund to cover the costs of care related to vaccine reactions and my son received IVIG which is costly and was covered. Unfortunately, his ongoing medical issues are not covered and he's ineligible for disability.

FWIW, I have multiple boosters and will continue getting vaccines approved by the government. He was just extremely unlucky. I am pro vaccines.

Write code and perhaps browse Hacker News
I have to admit I cannot see a future where I do not write code - pretty much like not seeing a future where I don't write English.

HN - maybe I can wean off it slowly ;-)

After having seen the last ten years of my life evaporate in front of a computer, the thinking is that I'd want to live the rest of it in the real world. I'm tempted to think that I would never touch a computer again, but I know that wouldn't happen. I do it because I enjoy solving problems.

I'd probably travel and work on projects I think are cool. Play video games, exercise, and do all the things I don't really have the time or energy spare to do right now.

The grass is always greener. Don't jump from one extreme to another.
It's counter-intuitive, but exercise gives you more energy. Don't wait to hit the lottery to make it part of your life.
Learn to fly a plane.
Id plan and bankroll a jewelry heist or something else that takes about a year planning in the Caribbean, is capital intensive, and yields about 20x.

And then I’d do that again about every five years.