u/Responsible-Net8594

I'm looking for outside opinions because this is a life-changing amount of money for me, and I want to make smart decisions instead of emotional ones.

A close family member recently passed away, and I'll be inheriting roughly:

* **$330,000** from an inherited 401(k)

* **$150,000–$200,000** from the sale of their house

* **$50,000** from their checking account

So I'll end up with roughly **$530k–$580k** before taxes on the inherited 401(k).

The 401(k) has to be withdrawn within 10 years, and every withdrawal is taxed as ordinary income. I'm currently leaning toward withdrawing it over **5–7 years** because that seems to let me get the money sooner while staying in a relatively low tax bracket. Utah has a flat income tax, but I may not stay here long-term.

### The house situation

I lived in the house with my family member the entire time. The house was in their name, but my brother and I are the beneficiaries.

I still live here now.

If I want to keep the house, I'd have to buy out my brother's share of the equity for about **$150,000**.

The house has:

* 3 bedrooms

* 2.5 bathrooms

* An unfinished basement

* About **$145,000** remaining on the mortgage at **3.75%**

I'm a single guy with one dog, so I definitely don't *need* a house this size.

### Option 1

Keep the house, buy out my brother, and continue living here.

### Option 2

Sell the house, travel around the U.S. with my dog for a few months (staying in pet-friendly hotels or motels), figure out where I actually want to live, then rent an apartment and pay a year's lease up front.

### My questions

1. Would you keep the house or sell it?

2. If you were in my shoes, how would you invest this money?

3. How much would you keep in cash?

4. Would you pay off debt or keep the low-interest mortgage?

5. Is there anything you would absolutely avoid doing if you suddenly found yourself in this situation?

I'm 34, single, and this inheritance gives me a chance to completely change my financial future. I'd love to hear how you would approach it if your goal was to maximize long-term wealth while still enjoying life.

UPDATED INFO:

I work for Grubhub and Ubereats. Probably not for much longer as I will take time off to learn a new skill/certification/degree etc. I can work whenever I want or need to so that is why traveling for a bit is an option. I do not currently have a skill.

My only debt is about 9k on a 2017 Honda Accord Hybrid with 151k miles on it. I don't have any other net worth or savings.

If you want to know anything else just say so.

I am in SLC Utah

I'm looking for outside opinions because this is a life-changing amount of money for me, and I want to make smart decisions instead of emotional ones.

A close family member recently passed away, and I'll be inheriting roughly:

* **$330,000** from an inherited 401(k)

* **$150,000–$200,000** from the sale of their house

* **$50,000** from their checking account

So I'll end up with roughly **$530k–$580k** before taxes on the inherited 401(k).

The 401(k) has to be withdrawn within 10 years, and every withdrawal is taxed as ordinary income. I'm currently leaning toward withdrawing it over **5–7 years** because that seems to let me get the money sooner while staying in a relatively low tax bracket. Utah has a flat income tax, but I may not stay here long-term.

### The house situation

I lived in the house with my family member the entire time. The house was in their name, but my brother and I are the beneficiaries.

I still live here now.

If I want to keep the house, I'd have to buy out my brother's share of the equity for about **$150,000**.

The house has:

* 3 bedrooms

* 2.5 bathrooms

* An unfinished basement

* About **$145,000** remaining on the mortgage at **3.75%**

I'm a single guy with one dog, so I definitely don't *need* a house this size.

### Option 1

Keep the house, buy out my brother, and continue living here.

### Option 2

Sell the house, travel around the U.S. with my dog for a few months (staying in pet-friendly hotels or motels), figure out where I actually want to live, then rent an apartment and pay a year's lease up front.

### My questions

1. Would you keep the house or sell it?

2. If you were in my shoes, how would you invest this money?

3. How much would you keep in cash?

4. Would you pay off debt or keep the low-interest mortgage?

5. Is there anything you would absolutely avoid doing if you suddenly found yourself in this situation?

I'm 34, single, and this inheritance gives me a chance to completely change my financial future. I'd love to hear how you would approach it if your goal was to maximize long-term wealth while still enjoying life.

UPDATED INFO:

I work for Grubhub and Ubereats. Probably not for much longer as I will take time off to learn a new skill/certification/degree etc. I can work whenever I want or need to so that is why traveling for a bit is an option. I do not currently have a skill.

My only debt is about 9k on a 2017 Honda Accord Hybrid with 151k miles on it. I don't have any other net worth or savings.

If you want to know anything else just say so.

I'm a 34-year-old guy, 5'7", 245 pounds, with a 44-inch waist, and I feel completely stuck.

What frustrates me the most isn't that I don't know \\\\\\\\\\\\\\\*how\\\\\\\\\\\\\\\* to lose weight. I know I need to eat less, make better food choices, and be more active. The problem is that I can't seem to stay disciplined long enough to make it work.

A while ago I could at least make it several days into a diet before breaking. Now I struggle to even get through Day 1. I'll tell myself I'm starting tomorrow, but then I end up eating whatever I want because "the diet hasn't started yet." Then tomorrow becomes the next day, and then the next week, and before I know it, another month has gone by without doing anything.

Honestly, I feel like food controls me instead of me controlling it. I'll be fully aware that what I'm doing is hurting my goals, but I'll do it anyway. Afterwards I feel frustrated, guilty, and disappointed in myself.

1. How much weight did you lose and how long did it take?

2. How did you do it?

I always say I'll cheat just one more day and start tomorrow. Then I tomorrow myself into weeks and months of not doing anything.

**What vehicle would you buy in my situation? Reliability is my #1 priority.**

I'm about to receive an inheritance after a family member passed away. I'll be getting roughly:

* $328k from an inherited 401(k)

* About $150k from selling the house

* Around $50k from a checking account

Even though I can technically afford something more expensive, I don't want to waste money on a vehicle. I want something I'll keep for a long time.

I've been completely spoiled by Honda reliability.

* **2022 Honda Insight:** Bought new, drove it to 190,000 miles, then sold it. It never had a single check engine light, sensor failure, or mechanical issue.

* **2017 Honda Accord Hybrid:** Bought with about 50,000 miles and now has 150,000 miles. So far it's been just as reliable.

Those two cars have made me hate unreliable vehicles. I don't care about luxury or speed nearly as much as I care about a vehicle that doesn't constantly need repairs.

Here's what I'm looking for:

* Reliability above everything else

* AWD or 4WD

* Some ground clearance for camping, hiking, forest roads, and taking my dog on adventures

* Decent fuel economy (I know I'll probably give up MPG compared to my hybrids)

* Open to a compact or midsize SUV/CUV or a small pickup

* Budget: **$30k–$40k**

* Slightly used (preferably under **30,000 miles**)

I'm not looking for extreme rock crawling—just something that can confidently handle dirt roads, snow, and the occasional rough trail without making me nervous.

What would you buy if reliability were your absolute top priority? Would you stick with Honda (CR-V, Passport, Ridgeline), or would you go with something like a Toyota RAV4, 4Runner, Tacoma, Subaru, Mazda CX-50, or something else?

I'd love to hear from people who have put 200k+ miles on these vehicles.

**What vehicle would you buy in my situation? Reliability is my #1 priority.**

I'm about to receive an inheritance after a family member passed away. I'll be getting roughly:

* $328k from an inherited 401(k)

* About $150k from selling the house

* Around $50k from a checking account

Even though I can technically afford something more expensive, I don't want to waste money on a vehicle. I want something I'll keep for a long time.

I've been completely spoiled by Honda reliability.

* **2022 Honda Insight:** Bought new, drove it to 190,000 miles, then sold it. It never had a single check engine light, sensor failure, or mechanical issue.

* **2017 Honda Accord Hybrid:** Bought with about 50,000 miles and now has 150,000 miles. So far it's been just as reliable.

Those two cars have made me hate unreliable vehicles. I don't care about luxury or speed nearly as much as I care about a vehicle that doesn't constantly need repairs.

Here's what I'm looking for:

* Reliability above everything else

* AWD or 4WD

* Some ground clearance for camping, hiking, forest roads, and taking my dog on adventures

* Decent fuel economy (I know I'll probably give up MPG compared to my hybrids)

* Open to a compact or midsize SUV/CUV or a small pickup

* Budget: **$30k–$40k**

* Slightly used (preferably under **30,000 miles**)

I'm not looking for extreme rock crawling—just something that can confidently handle dirt roads, snow, and the occasional rough trail without making me nervous.

What would you buy if reliability were your absolute top priority? Would you stick with Honda (CR-V, Passport, Ridgeline), or would you go with something like a Toyota RAV4, 4Runner, Tacoma, Subaru, Mazda CX-50, or something else?

I'd love to hear from people who have put 200k+ miles on these vehicles.

**What vehicle would you buy in my situation? Reliability is my #1 priority.**

I'm about to receive an inheritance after a family member passed away. I'll be getting roughly:

* $328k from an inherited 401(k)

* About $150k from selling the house

* Around $50k from a checking account

Even though I can technically afford something more expensive, I don't want to waste money on a vehicle. I want something I'll keep for a long time.

I've been completely spoiled by Honda reliability.

* **2022 Honda Insight:** Bought new, drove it to 190,000 miles, then sold it. It never had a single check engine light, sensor failure, or mechanical issue.

* **2017 Honda Accord Hybrid:** Bought with about 50,000 miles and now has 150,000 miles. So far it's been just as reliable.

Those two cars have made me hate unreliable vehicles. I don't care about luxury or speed nearly as much as I care about a vehicle that doesn't constantly need repairs.

Here's what I'm looking for:

* Reliability above everything else

* AWD or 4WD

* Some ground clearance for camping, hiking, forest roads, and taking my dog on adventures

* Decent fuel economy (I know I'll probably give up MPG compared to my hybrids)

* Open to a compact or midsize SUV/CUV or a small pickup

* Budget: **$30k–$40k**

* Slightly used (preferably under **30,000 miles**)

I'm not looking for extreme rock crawling—just something that can confidently handle dirt roads, snow, and the occasional rough trail without making me nervous.

What would you buy if reliability were your absolute top priority? Would you stick with Honda (CR-V, Passport, Ridgeline), or would you go with something like a Toyota RAV4, 4Runner, Tacoma, Subaru, Mazda CX-50, or something else?

I'd love to hear from people who have put 200k+ miles on these vehicles.

I'm looking for outside opinions because this is a life-changing amount of money for me, and I want to make smart decisions instead of emotional ones.

A close family member recently passed away, and I'll be inheriting roughly:

* **$330,000** from an inherited 401(k)

* **$150,000–$200,000** from the sale of their house

* **$50,000** from their checking account

So I'll end up with roughly **$530k–$580k** before taxes on the inherited 401(k).

The 401(k) has to be withdrawn within 10 years, and every withdrawal is taxed as ordinary income. I'm currently leaning toward withdrawing it over **5–7 years** because that seems to let me get the money sooner while staying in a relatively low tax bracket. Utah has a flat income tax, but I may not stay here long-term.

### The house situation

I lived in the house with my family member the entire time. The house was in their name, but my brother and I are the beneficiaries.

I still live here now.

If I want to keep the house, I'd have to buy out my brother's share of the equity for about **$150,000**.

The house has:

* 3 bedrooms

* 2.5 bathrooms

* An unfinished basement

* About **$145,000** remaining on the mortgage at **3.75%**

I'm a single guy with one dog, so I definitely don't *need* a house this size.

### Option 1

Keep the house, buy out my brother, and continue living here.

### Option 2

Sell the house, travel around the U.S. with my dog for a few months (staying in pet-friendly hotels or motels), figure out where I actually want to live, then rent an apartment and pay a year's lease up front.

### My questions

1. Would you keep the house or sell it?

2. If you were in my shoes, how would you invest this money?

3. How much would you keep in cash?

4. Would you pay off debt or keep the low-interest mortgage?

5. Is there anything you would absolutely avoid doing if you suddenly found yourself in this situation?

I'm 34, single, and this inheritance gives me a chance to completely change my financial future. I'd love to hear how you would approach it if your goal was to maximize long-term wealth while still enjoying life.

I'm looking for outside opinions because this is a life-changing amount of money for me, and I want to make smart decisions instead of emotional ones.

A close family member recently passed away, and I'll be inheriting roughly:

* **$330,000** from an inherited 401(k)

* **$150,000–$200,000** from the sale of their house

* **$50,000** from their checking account

So I'll end up with roughly **$530k–$580k** before taxes on the inherited 401(k).

The 401(k) has to be withdrawn within 10 years, and every withdrawal is taxed as ordinary income. I'm currently leaning toward withdrawing it over **5–7 years** because that seems to let me get the money sooner while staying in a relatively low tax bracket. Utah has a flat income tax, but I may not stay here long-term.

### The house situation

I lived in the house with my family member the entire time. The house was in their name, but my brother and I are the beneficiaries.

I still live here now.

If I want to keep the house, I'd have to buy out my brother's share of the equity for about **$150,000**.

The house has:

* 3 bedrooms

* 2.5 bathrooms

* An unfinished basement

* About **$145,000** remaining on the mortgage at **3.75%**

I'm a single guy with one dog, so I definitely don't *need* a house this size.

### Option 1

Keep the house, buy out my brother, and continue living here.

### Option 2

Sell the house, travel around the U.S. with my dog for a few months (staying in pet-friendly hotels or motels), figure out where I actually want to live, then rent an apartment and pay a year's lease up front.

### My questions

1. Would you keep the house or sell it?

2. If you were in my shoes, how would you invest this money?

3. How much would you keep in cash?

4. Would you pay off debt or keep the low-interest mortgage?

5. Is there anything you would absolutely avoid doing if you suddenly found yourself in this situation?

I'm 34, single, and this inheritance gives me a chance to completely change my financial future. I'd love to hear how you would approach it if your goal was to maximize long-term wealth while still enjoying life.

I'm a 34-year-old guy, 5'7", 245 pounds, with a 44-inch waist, and I feel completely stuck.

What frustrates me the most isn't that I don't know \\\\\\\*how\\\\\\\* to lose weight. I know I need to eat less, make better food choices, and be more active. The problem is that I can't seem to stay disciplined long enough to make it work.

A while ago I could at least make it several days into a diet before breaking. Now I struggle to even get through Day 1. I'll tell myself I'm starting tomorrow, but then I end up eating whatever I want because "the diet hasn't started yet." Then tomorrow becomes the next day, and then the next week, and before I know it, another month has gone by without doing anything.

Honestly, I feel like food controls me instead of me controlling it. I'll be fully aware that what I'm doing is hurting my goals, but I'll do it anyway. Afterwards I feel frustrated, guilty, and disappointed in myself.

I am on day 1 today of taking the 1.5mg Wegovy pill. I still ate all the crap food I usually do and if anything I think the pill makes me feel worse. I don't feel any appetite suppression at all.

Whether it's seeing one from a vehicle on a road or on a trail, where do you think the best spot is? I am not hunting them I just want to see one and get some pictures. I really don't want to end up too close to one for obvious reasons.

Is there a science to spotting them? I have lived in Utah my whole life and been through a lot of mountains and I have never seen one. How are they so **** elusive for such a big animal? Or are there not that many bears in Utah and that's why I don't see very many.

Whether it's seeing one from a vehicle on a road or on a trail, where do you think the best spot is? I am not hunting them I just want to see one and get some pictures. I really don't want to end up too close to one for obvious reasons.

Is there a science to spotting them? I have lived in Utah my whole life and been through a lot of mountains and I have never seen one. How are they so **** elusive for such a big animal? Or are there not that many bears in Utah and that's why I don't see very many.

**What vehicle would you buy in my situation? Reliability is my #1 priority.**

I'm about to receive an inheritance after a family member passed away. I'll be getting roughly:

* $328k from an inherited 401(k)

* About $150k from selling the house

* Around $50k from a checking account

Even though I can technically afford something more expensive, I don't want to waste money on a vehicle. I want something I'll keep for a long time.

I've been completely spoiled by Honda reliability.

* **2022 Honda Insight:** Bought new, drove it to 190,000 miles, then sold it. It never had a single check engine light, sensor failure, or mechanical issue.

* **2017 Honda Accord Hybrid:** Bought with about 50,000 miles and now has 150,000 miles. So far it's been just as reliable.

Those two cars have made me hate unreliable vehicles. I don't care about luxury or speed nearly as much as I care about a vehicle that doesn't constantly need repairs.

Here's what I'm looking for:

* Reliability above everything else

* AWD or 4WD

* Some ground clearance for camping, hiking, forest roads, and taking my dog on adventures

* Decent fuel economy (I know I'll probably give up MPG compared to my hybrids)

* Open to a compact or midsize SUV/CUV or a small pickup

* Budget: **$30k–$40k**

* Slightly used (preferably under **30,000 miles**)

I'm not looking for extreme rock crawling—just something that can confidently handle dirt roads, snow, and the occasional rough trail without making me nervous.

What would you buy if reliability were your absolute top priority? Would you stick with Honda (CR-V, Passport, Ridgeline), or would you go with something like a Toyota RAV4, 4Runner, Tacoma, Subaru, Mazda CX-50, or something else?

I'd love to hear from people who have put 200k+ miles on these vehicles.

**What vehicle would you buy in my situation? Reliability is my #1 priority.**

I'm about to receive an inheritance after a family member passed away. I'll be getting roughly:

* $328k from an inherited 401(k)

* About $150k from selling the house

* Around $50k from a checking account

Even though I can technically afford something more expensive, I don't want to waste money on a vehicle. I want something I'll keep for a long time.

I've been completely spoiled by Honda reliability.

* **2022 Honda Insight:** Bought new, drove it to 190,000 miles, then sold it. It never had a single check engine light, sensor failure, or mechanical issue.

* **2017 Honda Accord Hybrid:** Bought with about 50,000 miles and now has 150,000 miles. So far it's been just as reliable.

Those two cars have made me hate unreliable vehicles. I don't care about luxury or speed nearly as much as I care about a vehicle that doesn't constantly need repairs.

Here's what I'm looking for:

* Reliability above everything else

* AWD or 4WD

* Some ground clearance for camping, hiking, forest roads, and taking my dog on adventures

* Decent fuel economy (I know I'll probably give up MPG compared to my hybrids)

* Open to a compact or midsize SUV/CUV or a small pickup

* Budget: **$30k–$40k**

* Slightly used (preferably under **30,000 miles**)

I'm not looking for extreme rock crawling—just something that can confidently handle dirt roads, snow, and the occasional rough trail without making me nervous.

What would you buy if reliability were your absolute top priority? Would you stick with Honda (CR-V, Passport, Ridgeline), or would you go with something like a Toyota RAV4, 4Runner, Tacoma, Subaru, Mazda CX-50, or something else?

I'd love to hear from people who have put 200k+ miles on these vehicles.

I'm a 34-year-old guy, 5'7", 245 pounds, with a 44-inch waist, and I feel completely stuck.

What frustrates me the most isn't that I don't know \\\\\\\\\\\\\\\*how\\\\\\\\\\\\\\\* to lose weight. I know I need to eat less, make better food choices, and be more active. The problem is that I can't seem to stay disciplined long enough to make it work.

A while ago I could at least make it several days into a diet before breaking. Now I struggle to even get through Day 1. I'll tell myself I'm starting tomorrow, but then I end up eating whatever I want because "the diet hasn't started yet." Then tomorrow becomes the next day, and then the next week, and before I know it, another month has gone by without doing anything.

Honestly, I feel like food controls me instead of me controlling it. I'll be fully aware that what I'm doing is hurting my goals, but I'll do it anyway. Afterwards I feel frustrated, guilty, and disappointed in myself.

I'm a 34-year-old guy, 5'7", 245 pounds, with a 44-inch waist, and I feel completely stuck.

What frustrates me the most isn't that I don't know \\\\\\\*how\\\\\\\* to lose weight. I know I need to eat less, make better food choices, and be more active. The problem is that I can't seem to stay disciplined long enough to make it work.

A while ago I could at least make it several days into a diet before breaking. Now I struggle to even get through Day 1. I'll tell myself I'm starting tomorrow, but then I end up eating whatever I want because "the diet hasn't started yet." Then tomorrow becomes the next day, and then the next week, and before I know it, another month has gone by without doing anything.

Honestly, I feel like food controls me instead of me controlling it. I'll be fully aware that what I'm doing is hurting my goals, but I'll do it anyway. Afterwards I feel frustrated, guilty, and disappointed in myself.

Should I try it?

I'm a 34-year-old guy, 5'7", 245 pounds, with a 44-inch waist, and I feel completely stuck.

What frustrates me the most isn't that I don't know \\\\\\\*how\\\\\\\* to lose weight. I know I need to eat less, make better food choices, and be more active. The problem is that I can't seem to stay disciplined long enough to make it work.

A while ago I could at least make it several days into a diet before breaking. Now I struggle to even get through Day 1. I'll tell myself I'm starting tomorrow, but then I end up eating whatever I want because "the diet hasn't started yet." Then tomorrow becomes the next day, and then the next week, and before I know it, another month has gone by without doing anything.

Honestly, I feel like food controls me instead of me controlling it. I'll be fully aware that what I'm doing is hurting my goals, but I'll do it anyway. Afterwards I feel frustrated, guilty, and disappointed in myself.

I am specifically interested in the wegovy pill. What are your experiences with it? Where can I buy it with fast shipping? Worst case scenario is I react badly to it and I wasted a few hundred dollars.

I'm a 34-year-old guy, 5'7", 245 pounds, with a 44-inch waist, and I feel completely stuck.

What frustrates me the most isn't that I don't know \\\\\\\*how\\\\\\\* to lose weight. I know I need to eat less, make better food choices, and be more active. The problem is that I can't seem to stay disciplined long enough to make it work.

A while ago I could at least make it several days into a diet before breaking. Now I struggle to even get through Day 1. I'll tell myself I'm starting tomorrow, but then I end up eating whatever I want because "the diet hasn't started yet." Then tomorrow becomes the next day, and then the next week, and before I know it, another month has gone by without doing anything.

Honestly, I feel like food controls me instead of me controlling it. I'll be fully aware that what I'm doing is hurting my goals, but I'll do it anyway. Afterwards I feel frustrated, guilty, and disappointed in myself.

I am specifically interested in the wegovy pill. What are your experiences with it? Where can I buy it with fast shipping? Worst case scenario is I react badly to it and I wasted a few hundred dollars.

I have never been a smoker but I hear nicotine is really good. What do you use?

I have a history of gastro issues so I am afraid to try a glp1. If I do I might try the wegovy pill. Thoughts?

1. How much weight did you lose and how long did it take?

2. How did you do it?

I always say I'll cheat just one more day and start tomorrow. Then I tomorrow myself into weeks and months of not doing anything.