Ya taxes are a ball buster. They’ll be down to 2 ish off 3.8. Agent fees at 115k ish. Call that 1.9. That’s not enough to get a young kid to retirement. If they don’t manage that 1.9 well….. or whatever it is they’ll need real employment in a few years.
don’t get me wrong. That’s great seed $ to start a career but I bet many / lots of them squander the opty