Welcome to the second installment of the Wealth Moves Playbook, our series that breaks down what to do with $100K, $250K, $1M, and beyond.
Our goal is to demystify wealth-building with actionable, fictional case studies—spotlighting moments where one smart decision can change your entire trajectory.
Why $250K Is a Whole New Level
A $250,000 milestone means you’re no longer just saving—you’re in a position to build real, lasting wealth and start making moves as an investor.
Nicole, a 38-year-old tech executive, has reached this level after years of high income, disciplined saving, and smart career moves.
Now, she wants to think bigger: not just about her own financial freedom, but about ownership, impact, and new opportunities.
Nicole’s Focused $250K Playbook
$75,000 for Real Estate:
Nicole puts down $75,000 as a down payment on a multi-family investment property or invests as a limited partner in a real estate syndicate.
She wants to build cash flow, diversify beyond tech and the stock market, and create an asset that could grow in value or be passed on.
She works with trusted advisors and focuses on properties with strong, proven returns.
$60,000 for Angel Investing:
Nicole sets aside $60,000 to make direct investments in startups—writing $20,000–$30,000 checks to two or three companies she believes in.
She chooses founders and missions where she can add real value as a mentor, connector, or advisor.
Her goal isn’t quick flips, but to learn, build relationships, and open new doors in the investing world.
$80,000 in the Market—VOO or SPLG:
Nicole invests $80,000 in her brokerage account, placing it in a broad-market index fund like VOO (Vanguard S&P 500 ETF) or SPLG (SPDR Portfolio S&P 500 ETF).
This gives her instant, low-cost access to hundreds of leading U.S. companies—letting her money grow with the market, while keeping funds liquid if a big opportunity or life change comes along.
$25,000 for Professional Growth and Visibility:
Nicole invests in an international fellowship, public speaking coaching, and joins a high-level mastermind for investors and executives.
She’s building her network, skills, and reputation far beyond her day job—preparing for board service, future ventures, and more deal flow.
$10,000 for Travel and Self-Care:
Nicole takes a luxury wellness retreat and explores a new country on her bucket list.
She knows rest, inspiration, and broadening her perspective are part of building a wealthy, fulfilling life.
Why Nicole’s Plan Stands Out
Nicole isn’t spreading herself thin or playing it safe.
Each move is big enough to create impact—she’s acquiring real assets, entering new investing circles, and still has a powerful, liquid position in the market.
Her plan reflects confidence, focus, and a commitment to building wealth on her own terms.
What Nicole Doesn’t Do
She doesn’t scatter small amounts everywhere or “wait for perfect timing.”
She avoids risky trades, lending big sums to friends, and investing in anything she doesn’t understand.
She always works with professional advisors on major moves—protecting herself as she levels up.
Takeaway
When you hit $250K, you have the power to shift from earning to owning. Nicole’s playbook is about moving with intention: buying assets, backing people and companies she believes in, and investing in herself for the long run.
Disclaimer
This article is for informational purposes only and does not constitute financial advice. Consult a licensed financial advisor or tax professional before making investment decisions or changes to your business strategy.
