Optimal Finance Daily · Wednesday, July 8, 2026
Mr. Money Mustache advises that windfalls such as bonuses, insurance settlements, or inheritances should be used to pay down debt or invest in assets like index funds or rental properties, rather than being spent on immediate luxuries.
“Windfalls should be viewed as giant group on discounts on freedom itself.”
“When you get a windfall, it goes straight to your highest interest debt or your mortgage, or to buy your next chunk of index funds or your next rental house.”
“Why would you inflate your lifestyle when you haven't even bought your freedom yet?”