My wife (38f) and I (36m) ended a ~12 month separation ~6 months ago and our marriage is doing great. Gosh, that feels great to type. Even to a bunch of strangers on Reddit!
Now that we’re back to a good place, and can focus on other things. One of which is some overdue budgeting and financial planning.
One consequence of the separation, we have been keeping more “cash” than usual in a HYSA because we weren’t sure if separation was going to escalate to divorce or not. Thankfully, things didn’t go that way. Net/net: we have $100k that needs to be put into the market.
I know the default answer is “dump it into VOO or QQQ and don’t look at it” but we’ve never lump sum invested this much before and I’m a little gun shy.
Just hammer the buy button? Try to hedge and invest 1/6th over the next 6 months? Anything else I should consider?
If it matters, this is “cash” beyond our emergency fund, we own our home, 529 for our 2yo is being funded as it should be. Retirement savings are in good shape and we’re flirting with FIRE, now that we have a better understanding of our priorities after this season. Thanks everyone -