conversation: User (ipomoney): "Hey All,\n\nLooking for some advice on what to do with a potential large sum of money from selling stocks post IPO.  I know it is a wide range, but I can't sell for a few months and the stock price could fluctuate.  Giving an average range.\n\nAnyways, I am just looking for initial advice on what to do with an amount of money like this.  For tax purposes, I have a CPA, so you can ignore that.\n\nI am more looking for advice around investing.  Do I put this in 401k, a liquid ETF, my wife and I are looking for a new house ... how much for down payment, put money towards investment property etc.\n\nI guess my mind is all over the place.\n\nLive in the Northeast, very hot real estate market.  Currently no kids, but could change soon.  Combined base income 200K+, but commissions put us over 300 easily.\n\nWe have a financial planner, but I like to get other opinions.\n\nThank you and sorry for rambling."
  Self: "Wouldn't the effect of sheltering these earnings from tax implications outweigh growth opportunities for years to come?\n\nGiven your income level, it should be pretty easy to max 401k contributions - this amount of money puts that question to rest. \n\nAs for real estate, don't buy anything unless you're willing to put in the time and effort of being a landlord, or be prepared to pay a management company to provide those services for you.\n\nAs for me, I'd invest in stocks given the current market.  As always, go with index funds for low risk or manage it yourself."
  