Whoa weird! I’m not sure if I want to see my scalp magnified 
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Reminds me of a Looney Toons cartoon.
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I can hear the damn song that flea sings in the cartoon.
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Might not technically be a Looney Toons cartoon.
My exposure to classical music / opera is all from Looney Toons.
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So. Giant chunk of money coming in at once, don’t have/can’t use any more tax advantaged space. Paying off the one sorta high interest debt we have now that the HYSA is lower % than the loan (car loan, about $17k, it’s like 4.2% and now our HYSA is giving 4%). What would you do with say $40-50k right now. Post tax VTSAX is still the move, yeah?
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Does holding cash have any tactical advantage for you right now?
Otherwise yeah, post tax VTSAX would be my first thought (or whatever asset mix you generally hold).
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what is your international diversification like? US is only 60% of the global market
(in Canada it would be best to hold Canadian equities outside of registered accounts and hold US & rest of world in registered spots for tax reasons, but I don’t know how US taxes work for that)
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We have some emerging market held in an IRA, but it’s probably like 5% of our overall investments? I wasn’t sure the tax implications of that for post tax? I’m vaguely remembering something about how it’s better to do bonds and foreign stocks in tax advantaged accounts? My brain is sludge though, mostly.
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We do have cash on top of that, about 4 months expenses with generous spending assumptions.
Eventually we will do say a bathroom Reno but that won’t be in the year, and there’s no indication the gobs of cash are slowing any time soon 
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Oh I’d love to learn more about this
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…something to do with taxes. I hope someone weighs in and lets me know if I’m hallucinating. I want to say it was a madFIentist thing but 
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personally I would want to have something substantial in developed rest of world. you could buy VTSAX in the post tax account, and then switch some of your existing US market funds in the pre-tax accounts to adjust allocation if that seemed like a reasonable stance.
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The bond thing has to do with dividends–bond funds (and individual bonds) mostly generate returns taxed at the marginal tax rate. Stock funds, at least the index kind that aren’t churning like crazy, mostly have low dividends and capital gains which are taxed at a lower rate. Not sure about the foreign stock funds unless they’re expected to be more actively managed, or something.
For the record both of those are generalizations, I definitely keep some bonds (individual, not funds) in my taxable accounts for predictability and stability in volatile environments…for me having that staged/accessible is worth the slightly higher tax tradeoff.
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Asked a friend if she knew what the hell I was talking about 
I’ll read this post bedtime but for now-
https://www.bogleheads.org/wiki/Tax-efficient_fund_placement
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Ah PERFECT thanks!!
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We do international total market in our taxable accounts!
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If this could be spent in 2-5 years (eg bathroom), VSATX could be a little volatile and also US-heavy. You could either accept that volatility which has the potential for higher returns (and, say, adjust your bathroom budget if it’s down) or put half in bonds/money market.
Vanguard has target date funds (eg Vanguard Target 2030 is VTHRX) that adjust the US/international and stock/bond ratios according to time horizon. The 2030 one is 61% stocks 39% bonds, and stocks are 37% VSATX or equivalent and 24% international.
Also putting in a plug for setting up a DAF - easy to do at Vanguard and other places, it’s a good time in the world to donate money, and a great way to reduce tax liability in the “gobs of money” years.
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No we would cash flow the bathrooms with money we make before then, sorry that wasn’t clear. This was a big gob at once (weird taxes, huge return) but the firehose is still flowing.
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I would absolutely not put Vanguard target date funds (or any target date funds, but Vanguard just got a $100 million fine/settlement against them) in taxable funds…what happened is theoretically a one-time thing given it was caused by their own change-in-threshold, but there’s still potentially issues with really large capital gains distributions.
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