Building Wealth
Windfall Will
Regional Sales Director · Atlanta, GA
Just inherited $180k. Has no idea what to do with it.
About Windfall Will
Will's mother passed away last year and left him $180,000. He has a good income, a mortgage, and a solid 401(k) — but he's never had a lump sum this large before. His brother says pay off the mortgage. His friend says invest it all. His advisor says diversify. He needs a model.
Financial Snapshot
$118,000
Annual Income
$340,000
Net Worth
41
Age
Windfall Will's Story — 2 Chapters
The Inheritance Decision
Will sits with $180k in a savings account earning 0.5%. He models three options: pay off the mortgage ($142k remaining at 6.1%), invest everything in a taxable brokerage, or split it. The model shows the 10-year and 20-year outcomes for each path.
Uses: windfallThe Tax Efficiency Question(Coming soon)
Will's advisor suggests putting $50k into a backdoor Roth IRA and $30k into a taxable account with tax-loss harvesting. Will has never heard of either. The model explains the tax math.
Uses: roth-vs-traditional