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REDDIT

If you had 100k- low risk

H
Apr 14, 2026 · 19:56

If you had 100k to invest….what would you do with it? I need this to be low risk. I’m not looking to gamble on something that could make me a million dollars in a year or lose it all. No crypto. I have a 600k mortgage at 6%, a couple cars at 5%, and 3 kids to put through college and help pay for weddings. I need something that will create passive income or maybe double my money in like 5-8 years. I make about 100k a year but w 3 kids and California cost of living I’m living paycheck to paycheck. This is ALL my savings. I guess I may only have 80k to invest, but anyway…..things I’ve thought of:

Build an ADU and rent it out. (I have the space and a contractor in the family)

Buy a franchise or split it with someone. (Which one??)

Buy a crappy house and flip it. (Have contractor)

I really want to start a business, but I don’t know how.

Thank you!!