LOT
Lotus Technology Inc.
stock NASDAQ ADR

Meta made me good money when I bought sub-100. It’s a spender stock, so it’s hated for long periods due to explosive CapEx.
When that was on the Metaverse (the ultimate bullshit), everyone hated it *A LOT* . When it’s AI, people hate it a little bit.
Unclear path to big pumps from here, just expecting market returns with higher beta. But I do have a value-tilt to my mindset and maybe anchoring to when it was sub-100 being the same company

They're the keys to your wealth, you don't want to keep a copy of those keys on the internet or on something vulnerable like an internet-connected device. Regardless of the software wallet you use.
Software wallets, and i mean good ones (100% open-source, Bitcoin-only) are very useful for "Watch-Only" wallets - you can export your public key of your wallet and import that in any software wallet as a "Watch-Only" wallet. Those are good for monitoring transactions and receiving Bitcoin (you can still generate receiving addresses). You just can't take any $$ out. To take out, you'll need the seed-phrase.
Also, there are a few other things that matter to have written on a piece of paper (personally i have these all stamped on metal)
\- Seed-phrase
\- Passphrase (optional to have, i have it)
\- Derivation Path (A LOT of user error occurs because they have no idea what their derivation path is)
\- Master Fingerprint (XFP) (unique identifier derived from the public key, highly useful to have for recovery and other stuff)
People fail to back these up and then they wonder why X or Y doesn't work. Self-Sovereignty isn't hard.

I’ve been switching my money over to VT after being heavy into VOO and VGT for years. I feel like it paid off bigly but the more I look at the numbers the more I think it was just luck, and picking sectors won’t work in the long run so I just want to hold VT. Problem is… I am going to have to pay a LOT of capital gains taxes if I sell all the VOO I currently hold. So far I’ve sold my VGT but not my VOO since there’s more of it.

A LOT has changed since then. Chrome could have been sold. Gemini could have underwhelmed. TPUs could have sucked.
Google just keeps pulling rabbits out of the hat these last few months.

Okay, so why would you pick oral semaglutide over orforglipron or even better oral VK2735? Those two are a lot, A LOT better than oral semaglutide for both efficacy and tolerability. So why oral semaglutide??

I have a few different accounts so it’s hard to track, but one of my Roth accounts since 2023 is up 45% that’s just buying max each year into voo.
The taxable that I’ve tinkered with A LOT since 2019 I’m down -1.17% all time. This includes two years of doing 0dte options trading every day, pot stocks for some reason, throwing money at random AI stocks, going all in on TLT when I thought the world would end, leveraged funds you name it…like 40 pages of bullshit come tax time every year. All for nothing. My gold that I bought for safety a couple years ago has since doubled, and my brain dead retirement accounts are all up bigly or doubled in the past 5 years.
Seriously. It’s boring and slow, but buying literally any big index and doing nothing has proven superior in my experience.
I have some nuance and learned a lot but it was expensive. I have my own strategy that I follow in my taxable now, I’m not doing crazy stuff anymore I just follow a plan. I compare it to my retirement accounts but I just finally had the eureka moment in October so I’m curious to see how I do going forward.
Do the hard thing. Increase your skills and income, learn to save aggressively, become great at the basics and let the magic of doing nothing via index funds grow your money without you lifting a finger.

LLMs are actually quite powerful and predictive in the biological sciences, particularly in genetics where our genome is a 3B character long string that can be tokenized, and we have a LOT of sequencing data sitting around to wrangle. Evo just came out last year, so it’ll take awhile before we see publications spawn from if. Google’s AlphaFold for protein structure prediction is a major game changer, though still not perfect. 
Will it cure cancer? No. Has it really helped in several fields? Very much yes, to generate hypotheses and let us trim down the infinite combinations of sequence features to test in experiments. Will it replace scientists? Not any time soon.
Will it generate revenue for companies? Maaaybe. But probably not anytime soon. It might narrow down the set of R&D candidates, but that’s never the expensive part for drug development. Maybe it can help curate patient selection, but I don’t think there’s enough data yet to build any kind of a model, and traditional CNNs are likely more than sufficient.

Hell I’m a medical doctor and I stay away from biotech because it’s too unpredictable and difficult to understand unless you’re ready to spend a LOT of time on it

I hope this is allowed as most of my stack is wearable gold, but today I would like to sell a bit of gold and silver to make my house up proper for a dalmatian that I want to so desperately adopt. last dog I had 20 years ago was also a dalmatian. He’s had a rough life and I work with dogs for a living so this would be incredibly rewarding for myself. as a reward for helping me, I’m selling a lot my gold and silver to YOU at melt, and giving away some free silver. A lot of these items are from another post I made over in r/JewelryForSale, go [check it out!](https://www.reddit.com/r/JewelryForSale/comments/1p59f2v/wts_help_me_make_my_house_a_dog_home_lots_of_melt/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)
here’s my proof [https://i.imgur.com/rHfxEnI.jpeg](https://i.imgur.com/rHfxEnI.jpeg)
here’s the dog: [https://imgur.com/a/XZ7RMnm#NPZbCO5](https://imgur.com/a/XZ7RMnm#NPZbCO5)
and here’s my stuff! buy it! THERES A LOT HERE or at least it took a lot of time to make the post. i hope you see something you like!
# [GOLD](https://imgur.com/a/hmBPDJs#FD5n5oY)
**RINGS**
Marquis Cut Emerald Ring, Stamped 10k, size 6.75-7, 2.3g - $125! MELT!  [https://i.imgur.com/XrfQggj.jpeg](https://i.imgur.com/XrfQggj.jpeg)
Heart and Crown Claddagh Ring, Stamped 375 (9k), size 6, 3g, - $145 MELT! [https://i.imgur.com/8MSgD0T.jpeg](https://i.imgur.com/8MSgD0T.jpeg)
Tiffany & Co discontinued Paloma Picasso Forever Heart Ring, stamped 750, 5g, Size 7 - $550 (only $50 over melt) [https://i.imgur.com/kJ47ymB.jpeg](https://i.imgur.com/kJ47ymB.jpeg)
“Spes Unica” Notre Dame ring, Stamped 14k, size 3, 5.40g - $445 - $30 over melt! [https://i.imgur.com/fhnGhbs.jpeg](https://i.imgur.com/fhnGhbs.jpeg)
**NECKLACES**
*SCRAP* Rope Chain, lots of bends in the chain, Stamped 750, 5g, $475 UNDER MELT!! [https://i.imgur.com/9annkCJ.jpeg](https://i.imgur.com/9annkCJ.jpeg)
Gorgeous Herringbone Hook Clasp Necklace, Stamped 750 Italian Gold, 15.5 inches, 3mm, 14.4g - $1,499 - $50 over melt! [https://i.imgur.com/dzCX7Yl.jpeg](https://i.imgur.com/dzCX7Yl.jpeg)
**BRACELETS**
Singapore Twist Bracelet, Stamped 750, 7 inches, 5mm, 9.65g - $915 - $50 UNDER melt!! [https://i.imgur.com/4ATHzXS.jpeg](https://i.imgur.com/4ATHzXS.jpeg)
Flat Mariner Chain Bracelet, Stamped 750, 8 inches, 3.5mm, 9.85g - $980 - $only 20 over melt! [https://i.imgur.com/r3FmnQ9.jpeg](https://i.imgur.com/r3FmnQ9.jpeg)
**PENDANTS AND OTHER COOL GOLD STUFF**
Gold Cross Number 1 - 1.75 inches, 18k, 4.25g - $415 MELT! [https://i.imgur.com/wQIrJRM.jpeg](https://i.imgur.com/wQIrJRM.jpeg)
Gold Cross Number 2 - 1.25 inches, 18k, 3.55g - $340 [https://i.imgur.com/ffh34LQ.jpeg](https://i.imgur.com/ffh34LQ.jpeg)
Gold Cross Number 3 - 1.75 inches, 18k, 4.25g - $425 [https://i.imgur.com/yDPKx7G.jpeg](https://i.imgur.com/yDPKx7G.jpeg)
Pendant of Mary - 18k, 2.45g - $240 MELT! [https://i.imgur.com/QgdtYrZ.jpeg](https://i.imgur.com/QgdtYrZ.jpeg)
Jesus and Mary Pendant - 14k, 6.1g, - $475 Near melt! [https://i.imgur.com/VGJJAEj.jpeg](https://i.imgur.com/VGJJAEj.jpeg)
Praying Nun and Angel Pendant - 18k, - $85 Near melt! [https://i.imgur.com/8LiCn7K.jpeg](https://i.imgur.com/8LiCn7K.jpeg)
Clover Heart Hoop Earrings - 18k, 9g $895 MELT! [https://i.imgur.com/lxG9np1.jpeg](https://i.imgur.com/lxG9np1.jpeg)
2025 Gold 1/10 American Gold Eagle - $450! (two available, one shown) [https://i.imgur.com/ByY6jJe.jpeg](https://i.imgur.com/ByY6jJe.jpeg)
# [SILVER](https://imgur.com/a/hmBPDJs#QmVrpNM)
BIN for $330 (firm)!
Silver rope chain, 20in $8 [https://i.imgur.com/4nmPJFP.jpeg](https://i.imgur.com/4nmPJFP.jpeg)
Silver rope chain with heart charm, 24in $12 [https://i.imgur.com/oai5nDP.jpeg](https://i.imgur.com/oai5nDP.jpeg)
Long silver box chain, 27in! $20 [https://i.imgur.com/5VsJAHT.jpeg](https://i.imgur.com/5VsJAHT.jpeg)
18K Gold Plated Ster. Bracelet w/ authentic stones 7in, $25 [https://i.imgur.com/qbi3V1b.jpeg](https://i.imgur.com/qbi3V1b.jpeg)
Dainty Linked Sterling Bracelet 7in, $15 [https://i.imgur.com/RJYDDJo.jpeg](https://i.imgur.com/RJYDDJo.jpeg)
Silver Playboy Pendant $30 [https://i.imgur.com/d4fxKeb.jpeg](https://i.imgur.com/d4fxKeb.jpeg)
CZ Silver Ring size 8.5, $8 [https://i.imgur.com/Ai9KEjt.jpeg](https://i.imgur.com/Ai9KEjt.jpeg)
2 Silver bangles $15/ea
Canadian Proof Set $60 [https://i.imgur.com/qt8Z7Ob.jpeg](https://i.imgur.com/qt8Z7Ob.jpeg)
2x Canadian Dollars 30ea MELT [https://i.imgur.com/HfMKTH2.jpeg](https://i.imgur.com/HfMKTH2.jpeg)
Toner Buffalo - $48 UNDER MELT [https://i.imgur.com/XYWcHd5.jpeg](https://i.imgur.com/XYWcHd5.jpeg)
TROPWORLD .6 OZT Silver Slot Round $35 [https://i.imgur.com/qnDfeRe.jpeg](https://i.imgur.com/qnDfeRe.jpeg)
# SLABS
Alexander III AR Tetradrachm (17.1g, CHXF, 5/5 Strike, 4/5 Surface) Early Posthumous Issue, NGC Ancients: $1,600 [https://i.imgur.com/Lq2tWRp.jpeg](https://i.imgur.com/Lq2tWRp.jpeg)
Roosevelt Dime 1948 D MS64 $10 (Under Auction Prices!) [https://i.imgur.com/liKPffR.jpeg](https://i.imgur.com/liKPffR.jpeg)
EVERYTHING IS SHIPPED FREE PRIORITY MAIL. Paypal is fine, G&S is not. Zelle preferred, venmo available. I try to respond fast! Please help me bring a good dog home. DM if you want better photos, comment first if you want to DM

You can make a LOT of money as a janitor at financial institutions 👀

You don't quite understand how the process works.
Compounds have to go through multi-year clinical trials that involve global coordination between researchers, clinical trial sites, and vendors (like we were) that provide technology platforms for running these trials.
Trials have a LOT of regulatory complexity as the process has to abide by at least 3 main regulatory bodies (FDA, EMEA, and Japan's PMDA). The project managers are staying on top of these regulatory changes, managing inbound as well as outbound audits, requirements for these systems between stakeholders, and ongoing support of hundreds of thousands of clinical trial staff at sites all around the world.
A big trial can have tens of thousands of subjects and thousands of sites.
There is no way trials of the scope we were running would be possible without this middle layer while still maintaining regulatory adherence, ensuring data quality, and traceability in the event of future lawsuits or regulatory action.
This is extremely bearish for Novo in the same way that shedding scientists was bearish for IBM, Compaq, and HP because the purpose of pharmaceutical company is one part research, one part marketing, and one part navigating the regulatory and process complexity of getting new treatments to market.

BBOS would be too DUMB for today's market, BB10 was the MUCH better option.... but it and other attempts showed the a LOT of money was required to make a successful mobile OS and PLATFORM.
Had a lot of hope in SailfishOS... but they ran out of money and interest long ago. But yeah they now market themselves as the European alternative.

Nothing changed from Thursday to today. They're desperate to prevent a further cascade because it could get a LOT worse very quickly.

Good point. Guess, I'll have to start incorporating some of those addresses into my model... I guess exchange stuff isn't as important to me (mostly because they don't publish openly what's happening... like Bitcoins blockchain does). I'm more interested in macro (long term) dynamics... for that reason. Where is BTC headed because of activity correlations. There are certainly A LOT of signals in the activity based on realized price change (profit/loss) on movements and age bands

So I got assigned MSTR at $200 (because I like to chase nice premium with a % of my pf) and naturally it dumped to $160s immediately after because the market hates me and there is no bottom. Now I'm looking to sell covered calls to lower my basis without locking in a realized loss if it decides to rip back up.
https://preview.redd.it/k9jgh4w5183g1.png?width=1564&format=png&auto=webp&s=de52a088a0d47f4d2516115220b38be04b0908ee
I plugged it into an options screener and set the minimum strike to $200. I refuse to sell below my assignment price. The main thing I look at here is the difference between Return on Capital and Annual Yield. A lot of people just ape into the highest ROC percentage (a LOT of people, definitely not me), but that isn't always the play.
It really comes down to how desperate I am to get rid of the shares. If I want to dump the stock ASAP, I prioritize the highest Annual Yield on shorter DTEs. If I’m actually bullish and want to hold the shares for upside (copium), I’ll look for a lower Delta even if the ROC is slightly worse, just so I don’t get assigned immediately.
Right now the Jan 2026s are showing decent ROC, but locking up capital for that long feels like a trap (if you know you know). Probably gonna sell the Dec 19s, collect the premium, and pray it doesn't moon to $250 be expiry.
What I realize selling premium, is that I always ape selling puts, then I have to try and smarten up to sell calls right. One day I will learn, I swear.

Lotus Technology Reports Unaudited Third Quarter and First Nine Months 2025 Financial Results - LOT LOTWW

The Department of Government Efficiency (DOGE) — created by Trump and once headed by Elon Musk — has been quietly dissolved, almost 8 months before its term was supposed to end.
According to the Office of Personnel Management (OPM), DOGE no longer exists as a separate entity, and most of its responsibilities have now been shifted back to OPM.
DOGE was originally formed to:
cut federal spending
shrink government agencies
streamline operations
But the sudden shutdown with no announcement, no explanation, and zero media coverage has raised a LOT of questions.
Why was it closed early?
Did it fail its goals, or is something else going on behind the scenes ?

# Today is Monday, the 24th of November
## Upcoming events for Monday, November 24th
- Stock splits:
- AAMCF @ **1:10000**
- MHUA @ **1:100**
- QYOUF @ **1:12**
- Expected earnings:
A, ALCO, BEDU, BLBD, BLRX, CAAP, CENT, CENTA, FLNC, FRGT, FSCO, GASS, KEYS, KNDI, LOT, LU, LX, PFLT, PNNT, SJ, SMTC, SNEX, SUPV, SYM, TUYA, UXIN, WRD, WWD, ZENV, ZM
- Ex-div:
ADEA, AEIS, AGZD, BSCP, BSCQ, BSCR, BSCS, BSCT, BSCU, BSCV, BSCW, BSCX, BSCY, BSCZ, BSJP, BSJQ, BSJR, BSJS, BSJT, BSJU, BSJV, BSJW, BSJX, BSMP, BSMQ, BSMR, BSMS, BSMT, BSMU, BSMV, BSMW, BSMY, BSMZ, BSSX, DGRS, DGRW, EMCB, GOVI, HYZD, IHYF, KBWD, KBWY, MCHP, MKSI, NATH, NKSH, PEY, QQA, QQLV, QRMI, QYLD, QYLG, SGA, TAXE, TER, TSCO, UNIY, USIN, USSH, VINP, VOD, VRIG, VTRS, WTBN, WTIP, WTMU, WTMY
## Upcoming events for Tuesday, November 25th
- Stock splits:
- PHGE @ **1:19**
- MESA @ **1:15**
- WEAT @ **1:5**
- Expected earnings:
ADI, ADSK, AMBA, AMTM, AMWD, ANF, ARWR, ATAT, ATON, AVXL, BABA, BBAR, BBY, BHP, BOSC, BURL, BYFC, BZUN, CCG, CLFD, CLSK, CVAC, DELL, DKS, EMBC, GES, GMHS, HPQ, JFIN, KEP, KSS, KT, LCFY, LEXX, LWLG, MANU, MDRR, MOV, NIO, NOAH, NTAP, NTNX, PD, PONY, SB, SJM, SNT, TAOX, TIGR, TITN, TORO, URBN, VFS, VSTD, VWAV, WDAY, WOOF, YRD, ZH, ZS
- Ex-div:
CDW, CRAI, JCAP, MLCI, PLUS, PSEC
- Economic events and announcements:
- 2-Year Note Auction (previous: 3.504%)
- 3-Month Bill Auction (previous: 3.795%)
- 6-Month Bill Auction (previous: 3.710%)
- Capacity Utilization Rate (consensus: 77.3%, previous: 77.4%)
- Chicago Fed National Activity (previous: -0.12)
- Dallas Fed Mfg Business Index (previous: -5.0)
- Industrial Production (previous: 0.1%)
- Industrial Production (previous: 0.87%)
## Upcoming events for Wednesday, November 26th
- Expected earnings:
ALAR, ALPS, AMBR, BMA, CLGN, CMBT, CMCM, CODI, DE, EH, GOTU, HAFN, HDL, HERE, JBS, LEDS, LEE, LI, PETS, PLG, YI
- Ex-div:
AAON, BGC, OMAB, PAHC, TMUS
- Economic events and announcements:
- 5-Year Note Auction (previous: 3.625%)
- 52-Week Bill Auction (previous: 3.445%)
- ADP Employment Change Weekly (previous: -2.50K)
- API Weekly Crude Oil Stock (previous: 4.400M)
- Atlanta Fed GDPNow (consensus: 4.2%, previous: 4.2%)
- Business Inventories (consensus: 0.1%, previous: 0.2%)
- CB Consumer Confidence (consensus: 93.5, previous: 94.6)
- Core PPI (consensus: 0.3%, previous: -0.1%)
- Core PPI (consensus: 2.7%, previous: 2.8%)
- Core Retail Sales (previous: 0.7%)
- Dallas Fed Services Revenues (previous: -6.4)
- House Price Index (previous: 0.4%)
- House Price Index (previous: 2.3%)
- House Price Index (previous: 435.3)
- M2 Money Supply (previous: 22.21T)
- PPI (consensus: 0.3%, previous: -0.1%)
- PPI (consensus: 2.7%, previous: 2.6%)
- PPI ex. Food/Energy/Transport (consensus: 0.2%, previous: 0.3%)
- PPI ex. Food/Energy/Transport (consensus: 2.7%, previous: 2.8%)
- Pending Home Sales (previous: 0.0%)
- Pending Home Sales Index (previous: 74.8)
- Redbook (previous: 6.1%)
- Retail Control (consensus: 0.3%, previous: 0.7%)
- Retail Inventories Ex Auto (consensus: 0.3%, previous: 0.1%)
- Retail Sales (consensus: 0.4%, previous: 0.6%)
- Retail Sales (previous: 5.00%)
- Retail Sales Ex Gas/Autos (consensus: 0.4%, previous: 0.7%)
- Richmond Manufacturing Index (consensus: -2, previous: -4)
- Richmond Manufacturing Shipments (previous: 4)
- Richmond Services Index (previous: 4)
- S&P/CS HPI Composite - 20 n.s.a. (consensus: 1.4%, previous: 1.6%)
- S&P/CS HPI Composite - 20 n.s.a. (previous: -0.6%)
- S&P/CS HPI Composite - 20 s.a. (previous: 0.2%)
- Texas Services Sector Outlook (previous: -9.4)
## Upcoming events for Thursday, November 27th
- Expected earnings:
ASST, AXIA, AXIA^, BHM, BNAI, BTCT, CBRL, CIO, CMBM, CTRM, GDEV, GLMD, HIHO, ILLR, ISOU, KIDZ, LASE, LPL, LUNR, NBP, NFE, NHIC, PSHG, PTIX
- Economic events and announcements:
- 4-Week Bill Auction (previous: 3.890%)
- 7-Year Note Auction (previous: 3.790%)
- 8-Week Bill Auction (previous: 3.850%)
- Beige Book
- Building Permits (consensus: 1.340M, previous: 1.330M)
- Building Permits (previous: -2.3%)
- Continuing Jobless Claims (previous: 1,974K)
- Core Durable Goods Orders (previous: 0.3%)
- Core PCE Price Index (consensus: 0.2%, previous: 0.2%)
- Core PCE Price Index (consensus: 2.9%, previous: 2.9%)
- Core PCE Prices (previous: 2.60%)
- Corporate Profits (previous: 0.2%)
- Crude Oil Imports (previous: -0.614M)
- Crude Oil Inventories (previous: -3.426M)
- Cushing Crude Oil Inventories (previous: -0.698M)
- Distillate Fuel Production (previous: -0.117M)
- Durable Goods Orders (consensus: 0.2%, previous: 2.9%)
- Durables Excluding Defense (consensus: 1.9%, previous: 1.9%)
- Durables Excluding Transport (previous: 0.3%)
- EIA Refinery Crude Runs (previous: 0.259M)
- EIA Weekly Distillates Stocks (previous: 0.171M)
- EIA Weekly Refinery Utilization Rates (previous: 0.6%)
- Fed's Balance Sheet (previous: 6,555B)
- GDP (previous: 3.8%)
- GDP Price Index (previous: 2.1%)
- GDP Sales (previous: 7.5%)
- Gasoline Inventories (previous: 2.327M)
- Gasoline Production (previous: -0.662M)
- Goods Orders Non Defense Ex Air (previous: 0.4%)
- Goods Trade Balance (consensus: -90.00B, previous: -85.50B)
- Heating Oil Stockpiles (previous: -0.494M)
- Initial Jobless Claims (previous: 220K)
- Jobless Claims 4-Week Avg. (previous: 224.25K)
- MBA 30-Year Mortgage Rate (previous: 6.37%)
- MBA Mortgage Applications (previous: -5.2%)
- MBA Purchase Index (previous: 168.7)
- Mortgage Market Index (previous: 316.9)
- Mortgage Refinance Index (previous: 1,156.8)
- New Home Sales (consensus: 710K, previous: 800K)
- New Home Sales (previous: 20.5%)
- PCE Price index (previous: 2.7%)
- PCE Prices (previous: 2.1%)
- PCE price index (consensus: 0.3%, previous: 0.3%)
- Personal Income (consensus: 0.4%, previous: 0.4%)
- Personal Spending (consensus: 0.4%, previous: 0.6%)
- Real Consumer Spending (previous: 2.5%)
- Reserve Balances with Federal Reserve Banks (previous: 2.918T)
- Retail Inventories Ex Auto (consensus: 0.3%, previous: 0.1%)
- U.S. Baker Hughes Oil Rig Count (previous: 419)
- U.S. Baker Hughes Total Rig Count (previous: 554)
- Wholesale Inventories (consensus: -0.2%, previous: 0.1%)
- Wholesale Trade Sales (previous: 1.4%)
^^^^2025-11-24

Honestly... All of this. If you needed to shop at Walmart, but just had a little bit more money, and wanted to feel superior, you shopped at target. When they went along with trump, they lost a LOT of those folks. 
Personally I avoid both, but if I have to choose,I'll goto Walmart every day. The price savings are worth it, and I have no need to feel superior. 

No need to meet with the Chase advisor, who will take an advisor's fee (let's say 1.5%) of the full balance annually. That's $2,250+ A LOT more as your money grows. Even if they don't make you any money one year, and their trades actually cause you a loss (or the stock market just went down), they still take that same 1.5% of the entire balance. This fee is standard across all banks and brokerages I'm aware of. If you want professional advice, seek a Certified Financial Planner or Fiduciary, someone who you pay by the hour, once or twice a year, who is legally required to give you advice that only benefits you (plus they don't take a percentage of your portfolio). They don't manage your money either. They just tell you what to do with it yourself. You control how often you need to see or pay them and how much. If you want my unsolicited opinion (non-professional input), if this were my money, I'd put 100k into a Self-Directed Chase/JP Morgan brokerage account or standard Fidelity brokerage account, buy VOO, VSUX, and BND, and just let the money sit in these funds and watch how doing nothing brings me a higher return than any advisor could have in the long-term (because investing is a long-term game). Depending on my income and age, I'd consider IRAs (Roth vs Traditional). I'd put the other 50k into a High-Yield Savings account for emergencies/savings (I love Ally bank's HYSA, since they have buckets that allow you to divide that 50k into different categories, like "Emergency", "Auto", "Home," "Taxes", etc., all under the same Savings account number). I'd put all my long-term savings cash into that Ally account. If this 150k is just my play money, I'd put the whole thing in. If I had no other Savings besides this 150k, I would seriously consider whether investing is necessary right now, especially with on-going talk of a recession/stock market collapse/AI bubble pop on the street (oh, those whispers). I'd at least flip the numbers. Banking with Chase is convenient because...ATMs, in-branch services for cash/resolving disputes, and great travel credit card rewards, as you know. Their Self-Directed brokerage is comparable to a Fidelity brokerage, no hidden gimmicks or fees in trading those same ETFs. Plus, transfers from Chase checking to Chase brokerage during market hours is instantaneous.