FBC – 377 – What would you do with all that cash?

What would you do with all that cash?

In today's episode, we are going to talk about MONEY!

What would you do if you were handed a buck load of cash?

Would you stop everything and do nothing all day? OR on the contrary, you would stay busy.

In this episode, I am going to tell you exactly what I would do and why!

The answer might surprise you…

Let me know in the comments what you would do in that case?

Just imagine you just won the lottery and pocketed 50 Million dollars… Congrats bro.

WHat's next for you?

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This is a question I've been asked a few times.

If you had all the money in the world, what would you do? Would you just sit on your ass and laze all day and go sunbathing and all that kind of stuff? Or what would you do?

OK, so again, as I said, people ask me this question. I mean, some people ask me this question when I tell them that, well, you know what? I built some businesses. I do have some passive income and I have more than enough money to live comfortably, without having to worry too much.

And in other discussions people ask me, well, if you had like 10 million bucks what would you do? You know, stuff like this.

So many people think that once you have the money, that's it. You don't do anything, just retire and you don't do shit all day. You just sit there. And the reason why people think this is because of everything that’s been sold to them in social media and all that kind of stuff.

You can see a lot of these influencers who tell you that, my life is great. All you do is go to the beach, uh, you know eat some ice cream and drink some Pina coladas. And a lot of people believe that this is the case.

First of all a lot of these influencers that you see traveling, you see them here and there. I know some of them and they're struggling. You know, it looks like they're living the life and stuff. But a lot of them are struggling because they have to battle a lot for it. I think in the very beginning, the first couple of like influencers that came out, you know, people opened the door and the red carpet.

But I mean, now people want to know what the hell am I going to get out of this? So that's the thing, a lot of people sell you this dream of, Yeah. You know, you just don't do anything all day to go to the beach and stuff.

So my take is this. I wanted to be able to do this because I don't get bored easily and stuff. I'm just thinking about stuff and just spending time with myself.

But here in this case, I will get bored, man, if I don't do anything, not that I need to do something just to do something. But I'm one of those people who sees the value of life and am happy about life. Every day when I learn new stuff, I make progress one step forward towards something better. Not that I will force myself to go out and do something.

And obviously there are days where I can just sit there and just enjoy relaxing, you know, go out and just enjoy my buddies and stuff. Even on these days, I'll just talk to people and I will learn stuff.

What would you do with all that cash?

So what I'm after and I think what I mean is, it does work for me, so I don't know how it will work for you. The point is, you don't have to do anything. You can choose to do what you want. So if one day you don't want to do anything, then you don't. Right. But you just have the choice.

My aim in life is not just to sit at the beach and not do anything, which is what some people think. What I want is that I just have a choice, man. Right? So more often than not, I'll be I'll be working on something, learning something cool, improving something because I love it, but I don't have to do it if I want to go out.

So that's the actual point and the actual goal, if you ask me that, you should aim for and not just be idle and just be a vegetable, you know, because it's not going to be fulfilling. And this is when you start getting bored and get depressed.

So I guess it’s just me, I don't know.

But yeah. So let me know in the comments what you would do. So would you be still active and try to find something fulfilling, or will you be like that that's it. I've paid my dues now. I don't do anything.

Frequently Asked Questions

What would you do with all that cash if your business made millions?

If my business produced millions, the cash goes into three buckets. Forty percent into index funds and dividend stocks for long term passive income. Forty percent reinvested into the business to fund automation, content, and acquisition. Twenty percent for lifestyle and family. The split prevents lifestyle inflation, builds compounding wealth, and keeps the business funded for the next decade.

How should entrepreneurs handle their first big cash windfall responsibly?

Handle a cash windfall by waiting ninety days before any major decision. Park the money in a high yield account, then split it across three uses. Pay down high interest debt. Build a six month operating reserve. Allocate the remainder into long term investments. Almost every cash windfall regret comes from spending fast. None come from waiting a quarter.

What investment strategy works best for solopreneurs with sudden new wealth?

Solopreneurs benefit from a simple three fund portfolio split across a low fee total stock index fund, an international index fund, and a bond or treasury allocation. The split varies with age and risk tolerance, but the principle stays. Skip individual stock picking, skip exotic alternatives, and let twenty to thirty years of compounding produce the wealth.

Why do most entrepreneurs lose their first business windfall within five years?

Most entrepreneurs lose their first windfall because they raise lifestyle costs in lockstep with revenue, never separate business and personal capital, and underestimate taxes. A 500,000 dollar profit can shrink to 50,000 in usable cash after taxes, reinvestment, and lifestyle creep. Treat every windfall as if half of it is already spoken for, and the surviving half compounds.

About the Author

Martin Ebongue is the founder of martinebongue.com, an online business and lifestyle design blog focused on helping aspiring entrepreneurs build location-independent businesses. Since 2014, he has been creating and scaling online ventures across multiple niches, from digital products and affiliate marketing to SaaS and content platforms, while traveling the world. He shares the real-world strategies, tools, and systems that work, with a particular focus on AI-powered automation for solopreneurs. Follow him on YouTube, X (Twitter), and Instagram.

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