I have no idea what to call my situation. It's like a windfall gone wrong or a loss gone right.
(I read the wiki, please read about my mental health condition below)
OK. I will do my best to be specific but also only give the required information. In chronological order:
- I was gifted a house worth $400k+ while married. My house, not my spouse and I.
- I got a divorce which has not its paperwork turned in yet. There is zero chance my ex will pursue my money.
- I lost my 6 year job and and out of the game now. NO INCOME at the moment. I pay $433 health insurance premium out of pocket.
- I sold the house and earned $400k after fees.
- I was disowned and therefore 100% on my own. My family was my go-to for financial questions.
- I paid off debts (credit cards stacked up during divorce, "coping," I gave my ex a small lump sum, paid off car. NO DEBT)
- I had a surgery scheduled and down payment already paid, so about $32k must go to this out-of-pocket surgery.
- I am now living in my own place for S1295 a month not including electricity (only been here a few weeks and i signed for 2 years here).
- I know how to make a budget (i liked YNAB in the past due to my epilepsy issues).
- I am left with about $325k and slowly draining to do something with.
- Epilepsy issue. I had massive seizures about a decade ago and have some disabilities because of it. I lost most of my math knowledge, economics, and other subjects. I have a very hard time gathering multiple thoughts for problem solving, especially while experiencing stress. Money has proven to be very difficult for me to grasp and I know i need help. I had a CPA i could ask some questions to but they worked our account as an entire family, and I am now disowned and dont want my money near them at all.
So to put it simply, without considering getting another job right now, I want to take the money I have and create an income. So far SPIAs seems like the best return, but I am so wary of pulling a trigger on anything because I do not trust my naivety. I am afraid of calling anyone because I dont trust my ability to not get screwed by someone or some company. That said I cant keep spending my home sale. Epilepsy really can make you make poor choices or get confused for things an adult should be able to process.... so here I am.
I am starting to panic trying to navigate this on my own with my disabilities (its also why I was a work from home freelancer since my seizures years ago, I really cant handle people facing positions without doing a disservice). Just relearning taxes took years of effort with the help of family, and now im feeling very lost.
I need to make moves now, and this is currently my best chance to get advice, here. I have things I want to do like pursue a new education, but only to the extent of what an income created by this money could pay for.
Thank You. Even if its just pointing me in a direction. I will keep scouring this reddit before i do anything on my own, but really, its overwhelming to the point of panic attacks.
Submitted August 19, 2019 at 06:07PM by BundleOfShae https://ift.tt/2zcZ6rO
