Serena Williams

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Eranys said:
I can't let loudmouthed dumbasses just carry on without aggressively exposing their dumbass ways. This is a personality flaw I am unable to iron out. I am what I am.
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Ulf Murphy said:
Huh? That's conservatively $90k a year without touching principle.

And this in no way means I believe what HK ever says. Just saying your math is off.
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Yes, I actually just broke it down and realized I was wrong:
With $3,000,000, you can realistically generate between $105,000 and $240,000 per year in completely passive income using modern, reliable income-generating vehicles. [1, 2]
Your actual return depends entirely on your risk tolerance, liquidity needs, and how you choose to structure your portfolio. [1, 3]

Passive Income Strategies​

A breakdown of how much interest or passive cash flow you can realistically expect across different asset classes provides a clear view of your options:
High-Yield Savings (HYSA)3.5% – 4.1% APY$105,000 – $123,000Ultra-low risk, highly liquid, but rates fluctuate with the Federal Reserve.
Certificates of Deposit (CDs)4.0% – 4.3% APY$120,000 – $129,000Ultra-low risk, locks in your interest rate for 12 months, but restricts access.
U.S. Treasury Bills & Notes4.0% – 4.5%$120,000 – $135,000Backed by the government, state-tax exempt, highly secure.
High-Dividend Stocks / ETFs3.0% – 5.0%$90,000 – $150,000Moderate risk, offers cash dividends plus long-term potential for principal growth.
Real Estate Investment Trusts (REITs)5.0% – 8.0%$150,000 – $240,000Higher yield but higher volatility; exposed to real estate market drops.
[th]
Strategy [1, 2, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13]​
[/th][th]
Target Annual Yield​
[/th][th]
Expected Annual Income​
[/th][th]
Risk Profile & Liquidity​
[/th]​

Step-by-Step Action Plan to Maximize Returns​

To capture maximum yield while protecting your wealth, follow this structural strategy:
  1. Deploy a Treasury and CD Ladder
    Do not put all $3,000,000 into a single bank account, as standard FDIC insurance only covers up to $250,000 per depositor, per institution. Split your capital across a broker-distributed CD ladder or buy U.S. Treasuries directly to ensure 100% of your principal is safely backed. [5, 12]
  2. Minimize the Tax Drag
    Interest from HYSAs and CDs is taxed as ordinary income, which can eat up to 37% of your returns at this wealth level. Shift a portion of the funds into Municipal Bonds (federally tax-free) or U.S. Treasuries (exempt from state and local taxes) to keep more net profit. [10, 14]
  3. Account for the Safe Withdrawal Rate
    If you plan to physically withdraw and spend this money every year rather than reinvesting it, many wealth managers recommend a conservative 4% rule. This allows you to withdraw $120,000 annually from a diversified stock/bond portfolio while ensuring your $3,000,000 principal grows enough to keep up with inflation. [15, 16, 17, 18]
To tailor a precise strategy, let me know: What is your primary goal for this income—are you looking to spend it immediately as retirement income, or do you want to reinvest and compound it? Also, do you need instant access to the full $3 million cash at a moment's notice? [1, 13, 15]

[1] https://smartasset.com
[2] https://smartasset.com
[3] https://www.quora.com
[4] https://www.bankrate.com
[5] https://smartasset.com
[6] https://www.wsj.com
[7] https://www.bankrate.com
[8] https://fortune.com
[9] https://www.investopedia.com
[10] https://streetstats.finance
[11] https://www.schwab.com
[12] https://smartasset.com
[13] https://smartasset.com
[14] https://www.quora.com
[15] https://www.farther.com
[16] https://finance.yahoo.com
[17] https://smartasset.com
[18] https://www.facebook.com
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But this actually further proves that HK is full of shit. He could be living with more income if he just bought T Bills instead of allegedly transferring 5k a month to himself.
 
Eranys said:
I can't let loudmouthed dumbasses just carry on without aggressively exposing
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Lol I've never heard anything gayer on the daily interwebs than this 😆

He's SO interwebs aggressive 😍 MEOW!


Eranys said:
This is a personality flaw I am unable to iron out. I am what I am.
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I get it. ...your on the right track. You were born that way.
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Eranys said:
Yes, I actually just broke it down and realized I was wrong:

But this actually further proves that HK is full of shit. He could be living with more income if he just bought T Bills instead of allegedly transferring 5k a month to himself.
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You forgot to calculate the $500K he lost in stocks and didn't blink at when his vroom vroom game shut down

(Still waiting for an explanation on how he LOST money when the developer of that game was sold to a larger developer. I always thought that the shareholders were either bought out at a premium or converted to stock in the new company. But then again, I don't have a sewing tin full of $1.32 coins, so what do I know.)
 
motives said:
Lol I've never heard anything gayer on the daily interwebs than this 😆

😤 He's SO interwebs aggressive 😍😍 MEOW!


I get it. ...your on the track. You were born that way.
.
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It's actually a military thing.

It comes after years of being forced to sit quiet through rampant stupidity. You tend tolike to let dipshit morons know how stupid they are, once you're no longer under threat of the brig for doing so.
 
bconcrete said:
It's actually a military thing.

It comes after years of being forced to sit quiet through rampant stupidity
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Um.
Welcome to planet Earth special. 😆
Deal with it Like the rest of us and just laugh.

.
"Beam me up Scotty there's no intelligent life down here"
 
motives said:
Um.
Welcome to planet Earth special. 😆
Deal with it Like the rest of us and just laugh.

.
"Beam me up Scotty there's no intelligent life down here"
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Mmmm, no. Because we don't have to anymore.

And if you don't like it, I again encourage you to go fuck yourself with a cactus.
 
HKOG said:
Public assistance how much do you think the government give us think I can afford ever new game that comes out ever new iPhone that hits the market a 8k tv afored to tip take away drivers £10 a time keep up 20 pack a day smoking habit heating rent eletric gas food on public funds your the delusional one that’s to stupid to release that my spending way out ways public assistance

Maybe if you weren’t a douch bag that can only really on insulting people you may get help
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What's he need help with? And are you saying you're not a douchebag so that's why you get help?
 
motives said:
The fuck you don't...
I've been dealing with it for the last 24 hours.


I wasn't the one complaining about it "Magoo"🤣


Only if I can borrow yer Tiger Beads after.
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You could have a coke, a smile, stfu, and take your L. But you're not. Why are we suddenly under some obligation to humor your stupidity?

You have every right to say stupid things, we have every right to call you on them if we so choose. If you're tired of dealing with it, I recommend you stop saying stupid things.

Shutting the fuck up. It's really a simple and elegant solution, to a problem of your own making, that should never have existed in the first place.
 
nubbynub76 said:
What's he need help with? And are you saying you're not a douchebag so that's why you get help?
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I swear. Other countries must be like , "what the fuk is up with the English language? "
.
.
"Itd a simple one syllable oosh sound.....
okay, so Doosh?
Lol NOoo....
Ummm...Dewsh?
Ohmygod lol Not even close 😂
Ffs. How do I spell the "oosh" sound then ?"
.
...... 😎.......Douche........😎
 
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