/biz/ - Business & Finance

I promised my ex I'd help her get a new place and some training for a new job and living expenses for about a year. I don't want to get into details, but I cheated on her and overall treated her badly enough that I'd say she more than deserves it. This will likely cost me $40k.

I have $43k in loans I took out to buy link under $.40.

I make $5k/mo* after taxes and have personal expenses of $5k/mo, help my ex with $1.5-2k/mo, and pay about $2.1k/mo toward my loans.

*$10k/mo total if you factor in $30k (after taxes) bonuses at the end of every June and December.

I am thinking, for the $1.5-2k/mo of expenses for my ex to live in my studio and eat basically only by ordering food because this apartment is 200sqft and has nowhere to cook... I could just rent her an apartment for a year and I'd come out the same. Give her some extra for living expenses, help her get some kind of training and get on her feet since she's jobless and depressed and has some chronic health problems.

I have $10k in my bank account and 260k link.

Help me figure out how to balance this.

If I sell $23k worth of link, I can pay off most of my loans and free up $1,600/mo that is mostly paying interest.

If I sell 4k link, I should be comfy enough that I can maximize my 401k contributions this year with the all my remaining paychecks. I'll pay 33% total in capital gains, but that will be instead of paying 44% income taxes on the salary I'd otherwise receive, plus my company will give me a 50% bonus to my 401k. I.e., if I contribute all 5 of my remaining $2700(after tax) paychecks, which are about $4.9k pre-tax, I'll easily pump $18k into my 401k and get a matching contribution of +$9k from my employer.

So should I go for it now? Or be patient and wait for link to moon? Or just do some of the above things?