My fiancee and i have half a million dollars net worth in liquid assets but most of it is just being stupidly held as...

did you even read what I wrote? bitcoin meme'd themselves into being a digital replacement for physical gold, it's not meant for payments. nano only exists to make fast payments, a high value would only damage its purpose.

buy weed and flip it one go and buy more,
open a lane for the plug and add tax and then watch the money flow

How do I evaluate paying 50% down on a house and having no money left over for stocks/bonds, vs 20% down and the rest in stocks/bonds? I know the latter have a higher expected return long term, so clearly there is some optimal size for the down payment. I just don't know how to calculate it.

Pay the lowest possible down payment, use a first time home buyer program. Let the renters handle the rest. Everything else in an index ETF. If you're a total noob to personal finance and investing and real estate, read:
>Rich Dad Poor Dad
>The Simple Path to Wealth
>Early Retirement Extreme
>Building Wealth One House at a Time
>Mr. Money Mustache (mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/)
That should cover the basics. Enjoy.

ammo

I think unfortunately that I'd be ineligible for any such first time buyer program for income reasons. The idea of renting a room out could be worth it but it really depends who your renter is. Living with a bad renter would be hell.

I rented out two rooms in my house, it was fine. Just vet the applicants as if you were vetting a possible friend. The only mistake I made was letting an Indian IT guy move in, he was bro tier but literally stunk the house up with his cooking and body odor (from eating the food I presume). Dude would shower and literally smell bad 20 minutes later. Luckily he moved after a few months and the smell went away.

Do you have to disclose it to your home insurer? I could imagine a scenario where you need to make a claim and it gets denied because the claims investigator discovers an undisclosed renter.

Technically yes, you should disclose it to your insurance company, the IRS, everything. In real life though...

Be careful user. Black swans and such

Get in touch with a lawyer specialising in offshore trusts and start separating your own assets from your fiancés (or dump all of it in a offshore trust if it is your own assets). Try to avoid telling her about this and if she asks say that you are doing this because you want to protect yourself for any possible incident in the future. If she is a based qt she would understand but if she protests then see it as a warning sign.

You'd want to do this before you get married so you don't get fucked over by the courts if you eventually divorce.

Ah and yes, depending on the trust structure you can then freely invest the money in whatever way you wish by acting on behalf of the trust. The guy recommending dividend aristocrats is probably your best bet.

Of course. I'm out of the real estate game now, I much prefer index investing. Don't have to worry about some dumb renter burning down the DJIA because he fell asleep with the grill on.

Dump that dumb bitch

>not marrying a girl with more money than you have
user,

Eh I'd say it is more important that the girl comes from a good family because she has an already existing support network and/or money so she would be less-likely to divorce-rape you. Plus points if this is an old money type.

Do the needful sir, there is a vishnu in blockchain