HUN Chapter 84: Controlling a Million Dollars

After finishing all external affairs, Lin Yu'an's life quickly returned to tranquility.

While dealing with these academic issues, Lin Yu'an also had another equally important and urgent matter to handle: cashing that check worth one million dollars that was quietly lying in his drawer.

In the second week of his intense studying, Lin Yu'an took half a day off and, together with Aliya, drove his used Ford pickup to the Bank of America branch in downtown.

When Lin Yu'an handed over the one million dollar check along with his green card to the bank teller, the young teller's eyes immediately widened after seeing the numbers on the check.

She confirmed it several times, then immediately used the internal phone to respectfully contact her supervisor.

Soon, a middle-aged man in a crisp suit who looked like a lobby manager quickly walked out and politely invited Lin Yu'an and Aliya into the VIP reception room.

"Mr. Lin, Ms. McKinley, good afternoon."

The manager smiled as he poured coffee and hot milk for them, "Processing such a large check requires some time for verification. While we wait, our senior wealth advisor Mr. James would like the opportunity to speak with you both and provide some free financial planning consultation."

Lin Yu'an and Aliya exchanged glances and readily agreed.

Moments later, a wealth advisor named James, who appeared to be in his forties and wore gold-rimmed glasses, walked in.

James smiled and said, "Mr. Lin, Ms. Aliya, congratulations! Having such a considerable sum like one million dollars makes proper financial planning for the future extremely important!"

He skillfully pulled up various charts on his tablet and began introducing some stable asset allocation plans.

"I recommend investing most of the funds in traditional assets like U.S. Treasury bonds and S&P 500 index funds, which have stable long-term returns and relatively low risk..."

Lin Yu'an quietly listened to James's professional analysis, but he already had his own calculations in mind.

He politely waited for James to finish his introduction, then spoke, "Thank you, Mr. James, your suggestions are very professional. However, regarding the use of this money, I have a more bold idea."

Both James and Aliya looked at him curiously.

"I want to use most of this money to buy Bitcoin."

"Bitcoin?"

James's eyebrows immediately furrowed, he adjusted his glasses, and his professional, polite smile became somewhat stiff.

"Mr. Lin, with all due respect, Bitcoin is an extremely high-risk speculative asset! Its price fluctuates wildly, lacks actual value support, and regulatory clarity is unclear!"

"Investing the family's main assets in it is... almost equivalent to gambling. I wouldn't recommend this to any of my clients."

"Mr. James, I understand your concerns and respect your professional opinion. But I have my own judgment and conviction about the future of digital assets."

Of course, he couldn't say he was a reborn person who knew what would happen next. He could only explain using a "technological faith" tone.

"I believe that decentralized digital currency based on blockchain technology represents a future trend. Now is the eve of its recognition by mainstream markets."

Lin Yu'an remembered too clearly! In his previous life, December 2020 was exactly the ignition point for Bitcoin's epic bull run.

In less than a year following, its price would skyrocket, once touching the historical high of over sixty thousand dollars! Now was the once-in-a-lifetime perfect opportunity to buy at the bottom!

James looked at Lin Yu'an's determined eyes and knew he couldn't convince him.

He could only helplessly shrug and dutifully remind, "Well, Mr. Lin. Since you insist, I can only remind you to control your position well and be mentally prepared for extreme volatility."

"Additionally, purchasing and holding large amounts of cryptocurrency requires going through reputable trading platforms and using secure hardware wallets for storage."

James felt he had encountered an unreasonable "gambler."

Finally, despite Lin Yu'an's persistence, though James no longer tried to persuade him, he still gave one final professional recommendation.

"Since you're determined to make high-risk investments, then you should establish the strongest 'safety net' for your family."

James's expression became extremely serious, "Before you invest a single penny in that market, I strongly recommend that you must configure the most comprehensive insurance for yourself and your wife who is about to become a mother."

"Especially you, as the future economic pillar of the family, high-value life insurance and long-term disability insurance are absolutely necessary. This is the most responsible investment for your family."

Lin Yu'an listened seriously and deeply agreed with James's suggestion.

After successfully cashing the million-dollar check, he didn't hesitate at all, using $100,000 in liquid funds to contact the insurance broker James recommended.

He first secured a $3 million, thirty-year term life insurance policy for himself, with Aliya and their future children as beneficiaries.

Due to his extremely young age and optimal health rating, the annual premium for this massive coverage was less than $2,000.

He also configured maximum long-term disability insurance for himself, ensuring that even if he couldn't work due to accidents, the family would have a continuous income source.

This insurance's annual fee was slightly higher, about $4,000.

He immediately prepaid the full first-year premiums for both policies, totaling about $6,000.

This amount was just a drop in the bucket compared to his current funds, but gaining Aliya's peace of mind was absolutely worth it.

At the same time, he also upgraded Aliya and their soon-to-be-born twins to the highest level family medical insurance.

This ensured that no matter what health issues they might encounter in the future, they could enjoy the top-tier medical services.

After completing all this, he began executing his Bitcoin investment plan.

He used the remaining $900,000 through compliant cryptocurrency exchanges in the United States, purchasing Bitcoin in batches over the following days.

When the last transaction was completed, he looked at that long string of cold numbers in his hardware wallet and let out a long breath of relief.

He knew he had planted a wealth seed that would grow into a towering tree in the future.

After completing all this, he redirected all his attention back to the vast ocean of textbooks and practice problems.

He no longer cared about the rapidly growing follower count on his Bilibili account, no longer paid attention to various online discussions about him, and even chose to temporarily ignore Bitcoin's slightly rising price curve.

Lin Yu'an completely immersed himself in the world of knowledge, going all out for a clear goal.

His brain, enhanced by his golden finger ability, could clearly capture and memorize every knowledge point.

Those problems that once seemed troublesome to him now appeared to be simplified into the most basic logical modules.

Finally, before the final assessment at the end of the semester, he proactively contacted the professors of those core courses.

He didn't explain much about his absence, simply packaged and sent them all the problem sets, experimental simulation reports, and several deeply written course papers he had completed during this time.

When the professors received the emails and opened those attachments, they all felt deep shock.

They couldn't imagine how a student who had been absent for nearly three months could not only complete all the content in such a short time, but even demonstrate understanding that surpassed classroom teaching in certain areas.

Finally, they unanimously agreed that Lin Yu'an didn't need to take regular final exams, but would be evaluated directly based on these high-quality assignments and a comprehensive course design report.

When mid-December arrived and the semester officially ended with final grades announced, Lin Yu'an passed all his courses with excellent grades of "A-" or "B+."

His graduation thesis also received extremely high praise for its unique "practical perspective" and "rigorous data analysis."

The professors strongly urged Lin Yu'an to continue pursuing a graduate degree in mechanical engineering.

But Lin Yu'an politely declined. In this life, his aspirations lay elsewhere!

A few days later, he and Aliya, both wearing brand new bachelor's gowns, attended the graduation ceremony at Texas Tech University's Edward Whitacre Jr. College of Engineering.

When he received the diploma printed with "Bachelor of Science in Mechanical Engineering" from the dean's hands, he felt no overwhelming joy in his heart, only a calm sense of relief.

His life had already switched from the single track of "mechanical engineering student" to a new dual track of family and career running in parallel!

With the conclusion of the graduation ceremony, Lin Yu'an completely shed all academic burdens.

He carefully stored away that hard-earned diploma, then devoted all his heart and soul to enjoying family life and welcoming the approaching Christmas.

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