What would you do if you made a lot of money?

Let’s see what AI has to say!

If I really made a lot of money (for example, made a successful trade and saw a long string of zeros in my account), here’s roughly how I’d allocate it and live my life:
1. Buy enough security first
• 50%-60% of the money would go directly into “assets that let me sleep well at night”:
• 30% into global index ETFs (MSCI World + Nasdaq 100 + some A-shares), dollar-cost averaging + long-term holding
• 15% into 10-30 year government bonds or high-quality municipal bonds, to lock in cash flow
• 10% in cash/money market funds/gold, set aside as 6-12 months of living expenses + opportunity funds
This way, no matter how crazy the market gets, I don’t need to watch the charts and can still live comfortably.
2. Maximize quality of life, but don’t lose control
• Buy a mortgage-free apartment for each parent + set up good medical insurance and retirement community reserves
• Buy myself a home I truly love and can live in for 20 years (doesn’t need to be big, but must have huge floor-to-ceiling windows and be quiet)
• Set aside an annual “do-whatever-you-want budget” of 300,000-500,000 RMB for myself and the most important people: travel anywhere, eat Michelin if I want, give gifts to friends without checking the price.
3. Truly buy back my time
• After achieving financial freedom, trading shifts from “full-time job” to “interest”—only take 100% certain opportunities
• Set up a small family office, or start a small fund with a few trusted friends, only investing in sectors I’ve researched deeply
• Spend lots of time doing things I truly love: diving, skiing, photography, taking my family on a long trip once a year (30+ days)
4. Keep a portion to “play”
• Leave 10%-15% in crypto and risk assets, continue playing my favorite BTC/ETH cycle games
• Even if this part goes to zero, it won’t affect my life. But if it 10x’s again, take half out to donate or fund bigger charity projects
5. Lastly, set aside some for “meaning”
• Use part of the profits to set up a small fund dedicated to helping ordinary families who suddenly fall into hardship due to medical/education issues
• Or sponsor a few truly talented but under-resourced young people to do what they want (no return expected)
In summary:
No matter how much money I make, I don’t want to become someone who’s “rich but has no time, no health, no relationships.”
Money is just a tool. The real goal is:
Use money to protect your time, freedom, health, and close relationships, then use the extra to make the world a little more meaningful for yourself.
How about you? If you suddenly made a fortune, what’s the first thing you’d want to do?
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