Most financial advice about lump sums is generic. This episode isn't. Stevie and Nefe share their real, specific plans for $100,000 — not a framework, not a hypothetical. Their actual answers, challenged by each other, live on air.

In this episode:

• Where $100,000 might come from: property sale, inheritance, redundancy payout, liquidated shares, or years of disciplined saving finally adding up
• The five questions that shape every lump sum decision — before a single dollar gets deployed
• The order of operations: emergency fund first, high-interest debt second, portfolio gap third — and why skipping any of these steps is where people come unstuck
• Stevie's real plan: given her current build, her family, and her existing portfolio — exactly where she'd put $100,000 right now
• Nefe's real plan: freshly moved into a new build, aware of her portfolio gaps — how she'd split it between property and shares and why
• Where their plans agree, where they diverge, and what that reveals about different investing personalities

Having lots of opinions about what to do with your money is not the same as having advice. Here's the difference.

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