Posts  / #POST-216696
REDDIT

Have 50k from retirement accounts moved to Schwab Savings - 15k still in old 401k. Also have crypto. What next?

S
Jan 12, 2026 · 23:41

I moved my 50kish from my old employers retirement plan over to Schwab savings account. I chose not to go into investments at the time because of life stuff and economy concerns so I parked it to address later, which is now.

I still have 15k in another previous employers 401k plan that's still with them.

I also have a bunch of Ethereum (I already withdrew my initial investment) and it's valued anywhere between 150,000-200,000 based on the numbers of the past month. I'm not banking on it, it's just an extra atm.

What should I do with this? I have no kids, single at 37, very little debt (just vehicle) but I'm unemployed by choice but should be able to earn 100k\~ salary when I get back to work after caretaking for my parents for the past two years of unemployment. I have about 30k+ in savings.

I want to be able to live financially independent of any partner.

Any and every advice would be appreciated. Thank you.


Edit: I do not own my home, I'm back living with parents as I figure out their end of life situation. I expect to get back in the workforce and either purchase a home in the next year or otherwise just move out on my own again after the fact. I'm not counting on any inheritance. Though if I'm able to square my parents a way where they're safe and secure through the rest of their lives, they may be able to help me cosign for a mortgage to help me get a leg up there.