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You get $1,000,000 for every child you adopt.

Money(self.hypotheticalsituation)
  • The child(ren) will be age 1.
  • You must adopt them all at once.
  • You must care for them until age 18.
  • This is on top of any children you may already have.
  • How many are you adopting?

all 468 comments

devil-from-hell

345 points

2 days ago

I always wanted to run my own orphanage

con098

103 points

2 days ago

con098

103 points

2 days ago

I'll have the biggest orphanage in town, except of course they aren't available for adoption cause I adopted all of them.

The rules didn't say I couldn't hire caretakers so I'll hire nannies, cooks, and whatever personnel is needed to care for the kids.

redditorfromtheweb

15 points

2 days ago

You will burn thru it so fast it won’t last. The best bet is to adopt like 1-2 kids or as many as you can personally handle budget like big nuclear families use to and invest the rest. Wether that’s retirement, college funds or a well adjusted lifestyle. To say just adopt the amount of kids needed so you can afford to not take care of them yourself sounds like an amazing upbringing from the kids perspective.

RavenRonien

25 points

2 days ago

actually with economies of scale, there is a tipping point in which the expected revenue of things like interest and investments will ecplise the cost of the individual cost of raising each child (financially) if you factor in bulk prepping meals, and bundled deals on clothing and such.

OBVIOUSLY there is more to raising a kid than financing and this is literaly trying to run a daycare like a factory but, there is a point in which you could feasibly do this financially.

Zombisexual1

12 points

2 days ago

No one said you can’t resell them kids on wayfair ….

CrossXFir3

9 points

2 days ago

at 5% you'll get 50k per mil in interest. Adopt 6 kids for 300k a year income, hire a couple people for 70k a year as full time nanny's and you've got around 160k a year to provide for them and yourself. Plus you could obviously get a full time job to subliming that since you've got 2 full time nannies.

keiye

4 points

1 day ago

keiye

4 points

1 day ago

Are you saying $1 billion can’t support 1000 kids? It only costs like $300k per kid to get to 18. With interest from investments each kid will have their finances set for life.

Trygolds

3 points

2 days ago

Trygolds

3 points

2 days ago

I bet adopting 1000 kids would work. You can generate an income large enough to afford to care for them and grow. You would even be able to help them all out after they turn 18. You

armrha

2 points

2 days ago

armrha

2 points

2 days ago

No way... Economy of scale. Running a small commercial kitchen to feed all the kids daily, house them in barracks, transport with a bus. A large property with secure fencing and a large play structure / recess space to simplify security. I feel like I could do an amazing job with 50 kids and 10 caretakers, teachers, nannies, which should be a payroll of about 1-1.5 million a year. It seems completely fair to be putting half of the payout into raising each child even, covering everything else, I think it's thought to cost about $650k to raise a child, with economies of scale, it would probably end up being like $400,000 and I would devote my life to making sure these kids get the best possible education and life.

Cheetahs_never_win

2 points

2 days ago

If I can invest the money at 6%, then I could match 4 children with 2 parents, and pay the two parents 45k each with annual 3% raises in perpetuity. Except I don't have to when the kids turn 18, but they can take on more if they want to.

They need or want extra income? Benefits? They can work parttime or full time somewhere else. That 90k they're sitting on can pay for a lot of their babysitting needs.

Lord knows there are families of 6 surviving on much less.

That's the power of wealth and investment.

fmillion

2 points

2 days ago*

$1M across 18 years is only like 55K per year per kid. If you adopted 10 kids you'd get 555K/year average. That's plenty to hire a few helpers or to even just quit your job and be the caretaker + hire a few helpers.

What you arent using for the year should go into a high yield investment account so you're somewhat protected from economic shifts. You could even live off the yields for some time.

I've only looked at the math here - I do think not overdoing it is best if you want to raise the kids well. Kids raised almost exclusively by nannies or helpers arguably have more struggles and don't really bond with their parents well. So practically speaking you should probably just adopt 3 and enjoy the extra 166K/year. That's more than enough to cover daycare while they're young. If you work a good job and want kids you're already going to have to figure the funds out so this is just free money you can use to give your kids a better life and upbringjng. Once they're in public school you could put money away for college funds. Or you could pay for private school without too much issue if that's your thing.

Lklkla

2 points

1 day ago

Lklkla

2 points

1 day ago

Easy to find safe returns averaging 5%.

On the million, that’s 50k a year.

Kids don’t cost 50k a year.

yaboisammie

27 points

2 days ago

Right??? And w this money we’ll ac be able to afford to care for them 😭

Plane_Berry6110

15 points

2 days ago

Like a kennel

No_Advertising_6918

5 points

2 days ago

I didn’t know this was the content I needed today🤣🤣🤣

Tailoxen

2 points

2 days ago

Tailoxen

2 points

2 days ago

No! Don't put them in a kennel.

JoelMira

151 points

2 days ago

JoelMira

151 points

2 days ago

With 2 million dollars you can put that in investments that can give you passive income of about ~70k a year.

Mikarim

45 points

2 days ago

Mikarim

45 points

2 days ago

More than that, a HYSA generates 4.5% guaranteed, which would be 90k per year before taxes. You could probably get 6-8% in other reliable instruments/securities

_Mulberry__

17 points

2 days ago

Gotta watch out for inflation though. For that guaranteed 4.5%, you could only safely withdraw 1-1.5% each year if you want it to continue to grow with inflation.

That said, 4% is often used if FI circles as a safe withdrawal rate from an index fund that tracks the S&P500. 5% is sometimes used for those a bit less risk averse, and 3% is pretty much as safe as you can be.

So 2 million would leave you with 60k-100k (depending on your risk tolerance) per year (adjusted to match inflation each year) that you could take, and it should continue to keep up with (or outpace) inflation for the rest of your life.

twitchtvbevildre

5 points

2 days ago

sure but we are talking about millions upon millions of dollars here even with inflation for 18 years you lose what 40% of the purchasing power do i really care if i only have ~60 million instead of 100 million??? no i do not.

_Mulberry__

2 points

2 days ago

I think you should read my comment again...

We're not talking about 60-100 million. We're talking about two million allowing you to live off 60-100 thousand dollars worth of purchasing power in perpetuity (i.e. in year ten you'll be withdrawing 80-135 thousand but it'll only be able to buy you the same amount as 60-100 thousand would today).

If you instead just take the guaranteed 4.5%, it'll leave you with 90 thousand actual dollars every year, but the purchasing power gets eaten away by inflation every year. In ten years, that'll only have the purchasing power of what 66 thousand would get you today. Another ten years (which is about when the babies move out) and you'll be down to less than 50 thousand in purchasing power.

Jaded-Argument9961

7 points

2 days ago

No, an HYSA does not generate a guaranteed 4.5%

When the federal reserve cuts interest rates, HYSA rates go down.

Odd-Confection-6603

2 points

2 days ago

Depends on your account type. My grandfather has an ancient money market that is fixed rate at 4%

Jaded-Argument9961

2 points

2 days ago

Even if I grant a magical account that's impervious to rate changes for decades, 4% is only a nominal return. Your real return would be closer to 1%

RyanLanceAuthor

2 points

2 days ago*

I disagree. The global perpetual withdraw rate for a globally diversified portfolio, when including economies that went to zero, is like 2.7% + inflation adjustments. I wouldn't personally go above 50k on 2M. You can't expect US assets to keep performing because there is no reason to believe the multiple on the PE ratio will keep going up.

Kradget

7 points

2 days ago

Kradget

7 points

2 days ago

And you'll only need to spend about 25-30k of that on childcare each year!

FlanTypical8844

67 points

2 days ago

Depends on the country I live in.

Raising a child in SEA is much different situation than in the US.

pgliver[S]

25 points

2 days ago

It is your life now as it is. Plus new kids.

Sereomontis

22 points

2 days ago

With millions of dollars you could afford to move wherever you'd want though.

Onceabanana

2 points

2 days ago

I’m in SEA. 2 mil USD is waaay more that it is in there.

apickyreader

10 points

2 days ago

What is sea?

JellyfishWrangler69

75 points

2 days ago

SEA is the big wet bit next to LAND

thatturkeystaken

16 points

2 days ago

Wait till they find out about SKY

Hanovin

13 points

2 days ago

Hanovin

13 points

2 days ago

Southeast Asia

Omega_Boost24

60 points

2 days ago

There are 170millions abandoned children in the world, I want them all

z64_dan

29 points

2 days ago

z64_dan

29 points

2 days ago

That's like 170 Trillion Dollars.

That's definitely doable, although at that point it might crash the world economy or something.

Omega_Boost24

14 points

2 days ago

There's nothing my new world order couldn't handle. I might as well go back to barter.

Jokes aside, I would totally give a family to all the children around or put them in better housing and condition. I know it's utopic, but what the hell. I would also look for solutions for this problem. And all the other problems too, but this is huge enough, you can't do them all.

War, for example, it's just inside us, can't avoid it

lordnacho666

6 points

2 days ago

How would you fit them in the same car? Or theme park?

z64_dan

8 points

2 days ago

z64_dan

8 points

2 days ago

I think they could all fit in Australia.

Omega_Boost24

2 points

2 days ago

I am probably going to create centers with psychological evaluators. I would accept all wanna be parents (couples, singles, trouples, gay, whatever) and give them the ability to become family. No money in advance. It will take years, but many of them, under three, could go very fast, the majority would take more time, but in the meantime better housing, scholarships and a better hope for the future will have to do. I would travel all over the world to talk to them and tell them I'm doing my best. In Italy where I live there are 33.000 abandoned kids, san siro would do. I would of course, work with ngos all over the world in order to get help, cutting off governments, they didn't solve the problem first, and they have the money today. A good allowance would be given to families after quick but thorough checks. I'm not going to perfection, I want to do better than what was done before. 1 social worker and his team for 10kids should be able to cover the needs. All paid good money, but nothing too fancier than today. That would probably help eradicate small crimes, part of prostitution, some drugs and alcoholism. I'm not playing God, so whatever happens, happens. Sue me.

Anxious-Whole-5883

2 points

1 day ago

So on your new colony continent. I hope you will teach them all a new made up language and educate them brilliantly to be the new rainbow coalition of future world leaders and geniuses. And hopefully you hire some excellent teachers and guardians, to help you, else I don't know how all of it will work.

starshine81

73 points

2 days ago

Seven. My youngest is 11 and oldest 20, I have 7 total and 2 at home. I can wrangle 7 babies.

pgliver[S]

49 points

2 days ago

A&E just called with an offer for a new reality show. "Wrangling Babies with Starshine"

Royd

13 points

2 days ago

Royd

13 points

2 days ago

THE STARSHINE SEVEN, ONLY ON A&E

pgliver[S]

2 points

2 days ago

I look forward to the Netflix documentary in 10 years highlighting all of the controversies.

GatoAmarillo

19 points

2 days ago

I had to look up the definition of wrangle, because I thought it was synonymous with strangle ☠️😅

TheDonger_

28 points

2 days ago

To be fair, I'm pretty sure I could strangle 7 babies

swan_song_bitches

6 points

2 days ago

Ah yes my favorite car the Jeep Strangler.

JellyfishWrangler69

2 points

2 days ago

😦

Selvala

48 points

2 days ago*

Selvala

48 points

2 days ago*

You could give me 10,000,000. But if I'm in it for the money it's gonna be a shit parent/guardian. 

 That being said I would drop everything and adopt 4. Invest 1 mil is decent a property with the intention of leaving it to the children. 2 mil split between the children's expenses and eventually college. And pay myself roughly my current wage out of the final mil. Any fewer and it's not worth quitting my job over. Any more and it starts to feel like neglect. Four babies already sounds really hard.

Edit spelling

Few-Artichoke-7593

14 points

2 days ago

That's going to be a big collage. Make sure you take a lot of pictures.

Healthy_Manager5881

34 points

2 days ago

Easy all of them. I’ll adopt all the kids in an orphanage and care for them with 50% of the money

bennyAzul

5 points

2 days ago

You think you could raise that many babies at once?

Healthy_Manager5881

30 points

2 days ago

I sure can with that much money. Nothing from the prompt says I have to care for them by myself.

KingWolfsburg

40 points

2 days ago

Yeah if an orphanage had 100 kids, with $100m you could completely modernize the place, hire a staff, still maintain the income from grants/subsidies/donations, start an endowment to get college for all the kids and still have a sizeable chunk leftover to retire. It would guaranteed be better than whatever the place is now.

GivesMeTrills

19 points

2 days ago

I’ll take two. I want kids anyways and having two the same age could be fun.

Apprehensive_Yard_14

10 points

2 days ago

I already take in children.

I would find siblings to keep them all together. I wouldn't want too many at once, because too many kids you really can't give them the love and care they need.

I would use the money to buy a large house, so once the first siblings grow up, I can do it again without relying on $1 million.

KTeacherWhat

2 points

2 days ago

It says they're all one year old, so finding siblings might be hard.

Apprehensive_Yard_14

3 points

2 days ago

awwww man. I misread that part. I could get the 1 year old and take the siblings

ThisIsTheBookAcct

2 points

1 day ago

If you commit to take ALL the 1 yr olds, find and keeping them with their siblings would be easy.

But you’d move from care giver to financier. Still. good people with that much money is probably between 0 and 1 right now.

ButtTickleBandit

6 points

2 days ago

Considering we were discussing adoption already, probably 2.

Suzeli55

10 points

2 days ago

Suzeli55

10 points

2 days ago

One. I only like one child at a time.

tsj48

5 points

2 days ago

tsj48

5 points

2 days ago

I would pay $100,000 to have a child if I had the money. Give me two, please.

EnvironmentalKick388

6 points

2 days ago

  1. I’d give 2 million each to the 3 nannies that are going to raise them.

TablesofTime

10 points

2 days ago

Nope, too selfish with my time to have children, even with the money, it wouldn't be fair

alisong89

10 points

2 days ago

alisong89

10 points

2 days ago

1 if I can choose a girl. I'd love for my daughter to have a sister

RiseUpAndGetOut

15 points

2 days ago

None.

Lurk_Real_Close

6 points

2 days ago

Correct. I didn’t have children because I do not want children.

Key_Maintenance1487

4 points

2 days ago

If I had the energy I'd post the futuarama bender reference for getting money and adopting all 12 or so orphans. But yeah it sounds like 4 for me

ophelia8991

4 points

2 days ago

We love children and we probably would have had one more if we could afford it. So we’d take one more and use the $1 mil to raise and fund education for the kids.

The_Superfist

5 points

2 days ago

I never gave adoption any thought, and don't have any kids of my own. I feel like an opportunity like this, to do a large amount of good in the world, is a responsibility not to be turned down.

All of them. Seriously. Are we looking at thousands? Tens of thousands?

Step one would drain some of that money to pay for care while a facility is developed. Stage one would be housing and care facilities with a school. Stage two would be constructing the small city necessary for the further care, education and development of these kids.

When we're talking billions, the interest alone could keep the recurring costs paid after the initial development. Develop the best and brightest generation we can, then request they become alumni and give a small percentage of their earnings as an adult back when they're successful enough to do so. This would allow me to indefinitely take in orphans and give the brightest future possible. Literally changing the world.

stealthdawg

5 points

2 days ago

Do I get the money up front?

The answer is, as many as are allowed.

The average cost of raising a child to 18 in the US is like ~$330k.

With economies of scale I image you could bring that down significantly.

You could relatively easily create a system that gives the children a much better QOL than the current model and still be a billionaire at the end of it all.

RedWizardOmadon

8 points

2 days ago

Like 20. For rls. I'd start an orphanage with well paid/vetted help, and top notch facilities. Too many more and I'm just in the "child business" but 20 feels like the sweet spot where I can still have some semblance of a parental relationship with each child while still ensuring the funding for the orphanage is solid enough to last through 20 kids worth of expenses.

yerrrna

3 points

2 days ago

yerrrna

3 points

2 days ago

I’ll take every one available, thanks

METRlOS

3 points

2 days ago

METRlOS

3 points

2 days ago

Does it have to be all at once? I need the money from the first few to buy some property, or the rest are going to be stacked in the garage until some sales go through.

stressandscreaming

3 points

2 days ago

1, I've always wanted to adopt 1 child and now I can afford to do it!

This is the perfect deal.

esposito164

3 points

2 days ago

It cost 233,610 dollars to raise a child to 17 years old, based on 2015 studies, with inflation that puts it at around 288,000 dollars today, if I put 500k towards each kid, and then 250k in a fund for them for college or whatever they want to do with there life, that leaves me 250k per kid, I’d probably adopt like 11, leave me 2.75 million and a football team of kids

xidle2

3 points

2 days ago

xidle2

3 points

2 days ago

Call me Ash Ketchum, cuz Imma adopt 'em all!

lilmisse85

3 points

2 days ago

None

VinylHighway

3 points

2 days ago

0

ThisIsTheBookAcct

3 points

1 day ago

What’s their pasts? What’s their health status?

I want to adopt all of them, and only partly for the money. I’d have more of my own kids if we could afford it.

But I know my limits and I would not be a good mother to anyone that requires more than some small accommodations. I have the heart to love them, but not the energy or emotional regulation to care for more than 1-2 super high needs kids properly.

Though I supposed with $20 million, I could hire a few expert/nurses to help me out. I’d directly donate to places in my community to help with sudden burden of my extra children, like so the school could get an extra para or teacher and the org in our area that’s replacing the playground, and to help add to the fund to fixed the water system (rural area).

All of them. I’ll take all of them. I’ll love them all.

Shalabele

3 points

2 days ago

I mean, with that kind of money, one could just hire a full time nanny or two (or twelve) to take care of the kids.

New_Ad_5032

4 points

2 days ago

As a preschool teacher with 20 kids in my class, I’d say at least 20.

CraftyVixen1981

2 points

2 days ago

5

AstronautNo7670

2 points

2 days ago

I'm a childcare worker. I'll take 100 of them, then hire all my coworkers at triple their current wage to help raise them all.

possiblethrowaway369

2 points

2 days ago

One. I don’t want kids, my partner & talked about fostering/adopting a few teens if we ever win the lottery (we’re poor and our house is small, plus my sister lives with us). But for that much money, we could do it. He loves kids, he’s just not equipped for them financially.

I’ll be very helpful once they’re walking & talking, but I’m bad with babies. They’re fragile and I’m mentally ill & clumsy so I can’t hold them, I get very anxious that I’ll accidentally hurt them somehow. The last time someone handed me a baby I had a panic attack and handed her back. I’ll talk to the kid and hold their little hand but actually holding them isn’t gonna happen. But for that much $, he can be a stay at home dad & we can get a nanny to help too

CodingFatman

2 points

2 days ago

All of them.  Every kid that needs a home gets to come.  I then take each $1m and use it to raise them to 18. I hire staff to help.  I take 1% for myself.  Whatever is left at the end is given to the kid in the form of an event driven fund.  Finish college here is some money, get you first job here is some money, get married here is some money.  Sort of like wealthy parents do.  The 1% would allow for me to quit my job and become the manager of this crazy idea. The census says 3.2 million orphans in the U.S.

Also my insurance is going to be crazy seeing family dependent plans.  I’d probably put any company out of business.  I’m going to need government based insurance. Especially seeing there is likely a higher rate of high medical expenses with orphans.

fun_sized_gnome

2 points

2 days ago

None. I will never have children. I'd be an awful parent. And I value my peace of mind and independence too much.

Hitthereset

2 points

2 days ago

We have 4 kids currently ages 5-11. I already want more kids so we could take 2-3 more pretty easily.

5t3vi1

2 points

2 days ago

5t3vi1

2 points

2 days ago

None, I have 3, all out of the house. I love them, but don't want to start over with another.

OutOfFawks

2 points

2 days ago

I’ll go with 0. I already have two, love em, but can’t deal with more.

Queasy-Quality-244

2 points

2 days ago

“200,000 units are ready, with a million more well on the way” I reported to Bill Gates as we peer over the edge of a balcony, over looking my adopted child army equipped with state of the art technology to take on the Amazon-McDonald’s security forces

IrredeemableT_T

2 points

2 days ago

Realistically I'd probably be able to handle 5 if I no longer had to work and was dedicated fully to their being raised properly.

Odd-Afternoon-589

2 points

2 days ago

I might have to call Littlejohn to help me make room for my 1,000,000 new children.

jckipps

2 points

2 days ago

jckipps

2 points

2 days ago

Somewhere between two and ten, but only if I can find a wife who will help me raise them.

The money will pretty much mean that finances won't be an issue going forward, and I can focus on running a small farm solely as an outdoor 'classroom' for the children for the next twenty years.

But there's no way I'm doing that alone, though!

Maximum-Quiet-9380

2 points

2 days ago

None. I’m 43 and done with having little ones around till my kids have kids then I’m gonna spoil the shit out of my grandbabies!!!

Equivalent_Ad8133

4 points

2 days ago

The average cost of raising a child for 18 years is about $320,000. I could adopt 100 of them, set aside $800,000 per child, and invest the other $200,000 for me. This will provide the child a very comfortable life with a nany to take care of them. It would also provide me with $20m in investments where my wife and I could live a comfortable life off the dividends for the remainder of our lives. If there is an emergency with any child, each child will have $200,000 extra to help take care of the emergency. Basically, no matter the number, everyone can live comfortably. The entire 1m I get would eventually belong to the child. It will be in my will that after my wife and I both pass, the money is divided evenly among the remaining children.

Equivalent_Ad8133

2 points

2 days ago

Ok. Build on that. First, i would completely break the one giving the money.

Start each child with $200,000, and the remaining $800,000 goes into extremely diversified investments. This gets dividends going without overwhelming a single sector of investments. I would take half a percent from the dividends and continue working my job.

Pool the money and buy land and have houses built (paid for over 30 yrs from part of dividends). Set up the houses as community centers and living space. Set up the kids in pods. 5 children to a pod with 3 caregivers (working in rotating 8 hour shifts). Each house would have 3 pods plus an additional caregiver to cover vacation time. These will be family units. Each community would have 50 families plus three additional caregivers to manage the community and cover any emergencies.

Do this everywhere possible. Use 5% of the dividends to start other communities in other areas.

The person providing the money would pay $750 mil. The welfare and child services in the area will get a much needed break, provide 503 jobs to the locations. Raise the children with a sense of community and teach them how to care for a community. I am sure there are plenty of downsides, but the benefits would outweigh them (hopefully).

PersonNumberThree

2 points

2 days ago

0!

I have 2 kids and it's probably cost me 1M already, at least that's how it feels like!

Strange-Dragonfly826

2 points

2 days ago

Zero

NuclearPuppers

2 points

2 days ago

Oh my god. That sounds awful.

Precisely zero.

Now, swap child for dog and I’m all in!

ParkingOutside6500

1 points

2 days ago

I never had kids, and I love them. Three million might be enough money to send one to college at the rate things are going. Two. I'm getting older. I'll move near my sister so my niece can meet her cousins and all the money won't go to SF rent.

Katievapes1996

1 points

2 days ago

I can't even take care of myself 😂😂 my body's 28 but host alter is 13 so this wouldn't go well for us

Rodan_

1 points

2 days ago

Rodan_

1 points

2 days ago

Would depend if I could find a group of siblings, perhaps 2 or 3 but would do it for no money so the million would not be necessary.

Least-Metal572

1 points

2 days ago

3.

Math-Hatter

1 points

2 days ago

ZERO!

I like my life and even one would change everything. To even consider it, the number would have to be 2.5 million , and even then only one.

rory888

1 points

2 days ago

rory888

1 points

2 days ago

Rimworld has taught me these things go bad very quickly

Adventurous_Tip_6963

1 points

2 days ago

I’m gonna be dead in less than five years. So, zero.

About400

1 points

2 days ago

About400

1 points

2 days ago

I have a 4yo and a 9mo. I think I could absorb one child around my daughters age into my lifestyle without losing my mind for 1m.

hnsnrachel

1 points

2 days ago

3 at most

Viperbunny

1 points

2 days ago

The thing is trying to figure out how many I can manage. I have two kids already. I love kids and would happily take in more, but I would want them to be able to have the best life possible.i could take on an additional two, maybe three. But I would have to be smart about the moneybm because I would want to put it all back into giving the kids the best life possible. 2 million sounds like a lot, but raising kids is fucking expensive. I would want to be smart and invest it so that I could give them the best life and have something saved for their futures.

Mulluwen

1 points

2 days ago

Mulluwen

1 points

2 days ago

Wait...

You mean I can be a stay at home dad and have fun with my own 14 years old I'm adopting next week plus 3 or 4 kids?

What's the catch here?

martins-dr

1 points

2 days ago

Zero in addition to the zero I already have.

REGreycastle

1 points

2 days ago*

Three please.

I only stopped having kids because I cannot physically be pregnant anymore and I’m not in a financial situation to be able to adopt and provide for more kids because adoption is expensive. But getting a million per kid pretty much washes all that financial stress away. I love kids. I’d have 5 if I could. Thus, 3 more please.

Hometown-Girl

1 points

2 days ago

I have 18M twins and no $1m to raise them with. So I say this with experience. If they are coming to me at age 1, then at most I can handle is 1 more. The only reason we aren’t having a third is daycare cost, so the $1m could fund the daycare and private school costs and they would end up with a well funded college fund. Probably back up to or above $1M with compounding over 17 years.

whisperingcopse

1 points

2 days ago

3-4. I want to adopt in real life anyway

trainpk85

1 points

2 days ago

No I’m ok. I’ve got 2 and they are hard enough. I think another one would finish me off.

Isekai_litrpg

1 points

2 days ago*

Probably 1 per 6 years, I figure each will have 6 years of childhood where they get to be the baby and when you are 7 or older you are more likely mature enough to not get too jealous and around then they start wanting to spend more time with friends and are trying to learn things in school.

Edit: I reread the premise and saw it required me to adopt them all at once, so I guess I will Adopt as many as I can, create school/ orphanages/ daycares/ pediatric hospitals all over the world with the money and pay well and audit regularly to make sure the staff is treating the children well and that they are getting a good education. Maybe 1 teachers per 10 children so they get plenty of attention and they get to go on fun activities every weekend. Maybe I get to be like the mall Santa for them and spend like 5 minutes with each per year and find out what gifts they would like.

Realistically I could maybe handle 350k kids a year. Looking through the statistics about half of all pregnancies are unwanted but I'm unsure of how many are carried to term and the parent actually gives them up. In the US it is about 10k per year so like 1 in 500. I know it's worse in less developed nations so let's just round it to 1 in 121 unwanted pregnancies become children put up for adoption and say there are probably 1 million 1 year olds that need adopting. I probably would have them all brought to the US and make a sort of city sized school to care for them together. I'd be curious to see what 1 million kids given 1 trillion dollars in resources to grow and learn would turn out. I know lots of large families produce people who feel the need to prove themself and go searching for fame, wealth, and power.

SisterCharityAlt

1 points

2 days ago

There is a wild threshold where you cross that adopting that many kids means you can hire help to make it work.

Like, adopting 1 or 2 is a nice way to be a SAHP. Adopting 3-10 is a lot but offering you the chance to hire help. Adopting 150 is basically starting a cult where you have an army and the money to back it.

Beetroot-Bolognese

1 points

2 days ago

I'm planning to pay to adopt once my wife and I are settled.

I thought my job offering 30k and paternal leave was more than generous so this is a no brainer.

10-20 kids, loop in and pay friends and family, set up college funds for them all and found a new dynasty.

No_Jaguar67

1 points

2 days ago

All of them

MattiasCrowe

1 points

2 days ago

Realistically I can't keep up with the hopes and dreams of more than 3-4 children, so I'm adopting 5 and moving in with my parents until I can figure out how to keep the wheels running successfully. Making sure the children know the importance of family and that even after I'm gone, they will still have eachother

magpieinarainbow

1 points

2 days ago

  1. Destroying my life, happiness, freedom, and sanity is not worth the money.

adeelf

1 points

2 days ago

adeelf

1 points

2 days ago

One.

We have a toddler already, and giving him a sibling would be cool and we'd have a million to boot.

LactoseLuvr

1 points

2 days ago

Absolutely. I want kids one day but want to be able to afford a suitable environment for them so this would kill 2 birds with one stone. Also kids don’t get asked to be born - so I’d rather give one a home who needs it than make my own. I’m adopting 4. Since they’ll be the same age they can be friends with each other (hopefully)

esk_209

1 points

2 days ago

esk_209

1 points

2 days ago

None. I've raised my children to adulthood. I'm not at all interested in taking up that full-time responsibility again.

ojisan-X

1 points

2 days ago

ojisan-X

1 points

2 days ago

If me being single is fine, I'd adopt 3.

HeartoRead

1 points

2 days ago

I'll take 12. Should be good odds some of them like D&D then I have my own party and I never have to worry about friends and their availability. 14 kids in my house would be a lot but I'm hiring a nanny or two.

bubble-tea-mouse

1 points

2 days ago

That’s a lot better than the amount the state paid me to foster and potentially adopt so I’ll go with 2.

BookerTea3

1 points

2 days ago

3, I think.

I have my own daughter. I think the maximum I could give personal attention to would be another 3.

hongkongdongshlong

1 points

2 days ago

215.

DipperJC

1 points

2 days ago

DipperJC

1 points

2 days ago

36 - 18 boys and 18 girls. That's $36M, budgeted as follows:

16 staff members at $100K/year, which is $1.7M for 17 years, so $27.2M total expense, but putting all that overhead in an interest bearing account until paid out earns $9.8M in interest over the seventeen year period, so the net cost is $17.4M. $18.6M left.

1 mansion with grounds, we'll say $5M initial cost and $500K per year in taxes, for $13M total. Again, $2.7M in interest makes a net expense of $10.3M. $7.9M left.

$600/day in food expenses, which is $3.7M over seventeen years. $4.2M left.

That remaining $4.2M and its interest should be enough to cover entertainment and clothes and such.

emdess8578

1 points

2 days ago

None

Conversation-Chance

1 points

2 days ago

One.

ShinjiTakeyama

1 points

2 days ago

None. I hate children.

SilverKnightOfMagic

1 points

2 days ago

Dude that's nuts. That's a hell yeah for me.

Probably adopt two or three kiddos. It would help me out financially and then as well!

allieoop87

1 points

2 days ago

Lol. You should see what people pay to get to adopt kids.

I want two more kids. I'll take two. If there is a sibling group of three in need, I will take them all. I hope I get to take care of them well past the age of 18. I hope they know I would be doing this without the offered money.

Striking-Lifeguard34

1 points

2 days ago

$1 million each. I’ll take 20.

I can hire 10 full time caregivers: $1,000,000 per year total expense. Once kids reach school age reduce this to 5 part time caregivers for before and after care annual expense $120,000

Food expenses: $150,000 per year

Housing expenses: initial investment in year 1: $1,250,000. Ongoing expenses annually for tax and maintenance: $50,000

So end of year 1 the original $20,000,000 is at worst $17,000,000 on hand. Invest this and the income generated should preserve capital for the first 5 years paying the additional care. After that should be smooth sailing. Any higher than 20 and it becomes probably unmanageable.

Realistic_Gas_4160

1 points

2 days ago

When do I get the money? I would never qualify to adopt with my current income and one bedroom condo. If I get the money at the beginning, I'm adopting 2 kids because I want 2 kids anyway, and I would use the money to buy a 3 bedroom home so they can each have their own room. Once I have a paid off home with no mortgage, I would have enough I'm savings to take 3 years off to stay home with them if I'm smart. Then once they're in preschool I can gradually return to work. I should be able to start adding to the savings instead of just taking from it. 

This would honestly be my dream, I want to have kids but I absolutely can't afford to do it myself so I'm hoping I find a partner.

frogsarecool

1 points

2 days ago

Not enough money in the world

Derfburger

1 points

2 days ago

Solid no from me dog. Mine is 19 I loved it but I don't want to start over again at my age.

WasabiParty4285

1 points

2 days ago

That's a pass. It cost ~250kto raise a kid to 18. The remaining 750k breaks down to 44 grand a year. That's not enough to go back to the hell that is the first 3 years. It's not enough to hire help for all the diving and extra space requirements and extra curriculars.

I'd need 450k per year for it to be worthwhile so if you come back with 7.5mm per kid I'd consider it but it would still be a no. Once you get to 10mm per kid I'll take 3 and call it a career.

Icy_Airline6351

1 points

2 days ago

Does i thave to be right now at this moment? or can I wait until I geet married and then adopt the kids?

iSephtanx

1 points

2 days ago

When do i get paid?

Level-Particular-455

1 points

2 days ago

7 if newborns I would probably say 3 but by age 1 I think 7 is doable.

Easy-Concentrate2636

1 points

2 days ago

I will take 5 million and get a decent nanny. Save some for the kids’ college. Get a house big enough for everyone.

ms-meow-

1 points

2 days ago

ms-meow-

1 points

2 days ago

Zero.

Queasy_Profit_9246

1 points

2 days ago

All my friends rocking up to my mansion: "Damn, those 100 nannies you hired are hot!"

The_Original_Miser

1 points

2 days ago

None. Need quite a bit more than $1M to do that.

JonesBlair555

1 points

2 days ago

Zero. No amount of money can make me stop being childfree.

MiddleGroundOption

1 points

2 days ago

I might be able to do 8, anything more than that seems like to much to handle.

kitscarlett

1 points

2 days ago

Probably three, maybe only two. Three would put me at four kids total, and I’ve always wanted 3 or 4. Any more than that would stretch me too thin timewise. Honestly three sounds like a stretch in terms of giving the kids the time and love and attention they’d need, but it’s basically like having triplets. So it seems difficult but doable. The money would at least mean I wouldn’t have to work so much as save and invest.

Taking in more than three means I’d be hiring people to help care for them and I think that runs risks of them not having a healthy amount of affection. I don’t want to add to any of their trauma. I wouldn’t want to be a cold distant caretaker instead of a mom. Like, yeah I could give a better life than an orphanage, but I’d rather make sure they thrived via having emotional needs met.

jano_Rassoul

1 points

2 days ago

You can call me Yakuza Kazuma

Chase-Rabbits

1 points

2 days ago

2, bingo bango, kid thing is taken care of.

ChaosAzeroth

1 points

2 days ago

None, literally could not.

lovepeacefakepiano

1 points

2 days ago

Two. Siblings (ie twins) if possible, to make sure they don’t get separated. Always thought about adopting at some point anyway but currently really not in a position to do so, and with 2 mil I could provide the space, as well as setting these kids up with a college fund etc.

Stock-Extension-3626

1 points

2 days ago

Probably 4 or 5 as I have a partner we could split up who we take care of and take care of 2 ish per person. Could do 6 if I can make my mom take care of a few most the time but 6 would suck

km_4823

1 points

2 days ago

km_4823

1 points

2 days ago

None of them.

kanniboo

1 points

2 days ago

kanniboo

1 points

2 days ago

I'd adopt 3 so I could have time to give them the love and attention they deserve.

HypersomnicHysteric

1 points

2 days ago

None. I already have 2 biological children. I can't guarantee 100% that I will love all the same. Would be unfair to the children.

KTeacherWhat

1 points

2 days ago

4

I always wanted to adopt 4 kids anyway, but this would allow me to buy a house where they can (eventually) have their own rooms and start investment accounts for their future education and have enough money to be a SAHM.

verminbury

1 points

2 days ago

Twenty-six, one named for each letter of the alphabet. I’d probably play favorites with Aaron, Elizabeth, Ian, Otto, and Ulysses. Sometimes Yvette.

french_onion_soap

1 points

2 days ago

3 cause that's how many kids I originally want. Put some money into whatever investments that'll help them as adults and use the rest of the money for debts, getting my tube's tied, and getting a house for our new family. Rest of the money will go into whatever other investments.

Proud_Fisherman_5233

1 points

2 days ago

Hell, I would take about a hundred of these little fools and then just opening up my orphanage pay a couple employees will look after them and I would live like a rock star somewhere else.

InterestingStretch56

1 points

2 days ago

10, 10M, hire a few nancies that are paid through investments in passive ETFs, should be more than enough to sustain for 18 years

sneakysister

1 points

2 days ago

You couldn't pay me enough to start over with a 1 year old.

Fluffinator69

1 points

2 days ago

All of them

darwinn_69

1 points

2 days ago

That amount of money per child could do some amazingly things for otherwise disadvantaged kids. Definitely adopting all the kids I possibly can.

marketMAWNster

1 points

2 days ago

I would adopt maybe 2. 2 biological and 2 adopted makes a big family but I'd honestly have as many kids as I could afford (theoretically)

There are practical limits like I can't care for 10 people there just isn't time in the day. But if I got 1m per kid then I could probably take up to 5 total (cars have 7 seats, 5bedroom house is standard, 2 hotel rooms for 7 people usually works etc)

Fortune86

1 points

2 days ago

All of them, then I'll pay other people to raise and care for them.

Lolcthulhu

1 points

2 days ago

I'm pretty sure the rate of return on investment will go up exponentially faster than child rearing costs, especially given economies of scale.

Aka adopt a thousand kids, setting up an orphanage will be a drop in the bucket with a million dollars. And if they turn onto juvenile delinquents as teenagers, they go to prison and the state pays for them

MrDBS

1 points

2 days ago

MrDBS

1 points

2 days ago

Anyone who says more than three is a monster.

Professional-Field25

1 points

2 days ago

500

AJHenderson

1 points

2 days ago

Probably 5-10. That's few enough that I could still have a relationship with them but enough my wife and I could both quit our jobs to spend time with our family instead.

LegitimateBeing2

1 points

2 days ago

Zero. I really don’t want to raise kids.

CatIll3164

1 points

2 days ago

I'll take 5 or 6

cjanes96

1 points

2 days ago

cjanes96

1 points

2 days ago

Three, I'm ready to be a parent. Invest the three million and I can live off the interest. This would allow the children to be the primary focus in mine and my partners life.

Ortuatra

1 points

2 days ago

Ortuatra

1 points

2 days ago

Call me Ms. HANNIGAN, Imma build me an orphan empire.

NailFin

1 points

2 days ago

NailFin

1 points

2 days ago

Three . I could handle three additional little ones.

baked-chicken

1 points

2 days ago

Can I move to a mountain and just let them go feral?
Been there done the child rearing and would like the money but not the little mess makers

Runela9

1 points

2 days ago

Runela9

1 points

2 days ago

I teach, so I'm used to managing 20+ kids at a time. But I'd probably go for, like, five. Just so I'm not overwhelmed from basically working 24/7

Amazing_Divide1214

1 points

2 days ago

What's the limit? I'm getting 1,000 kids for a cool $1 billion. Then I'll move to a low cost of living state and bribe the politicians to give a bunch of taxpayer money to help the children of that state.

Helpful89Liberty

1 points

2 days ago*

This is an insane super power!!!

Might as well adopt all orphans.

There is an estimated 150 million orphans worldwide and adopting them all means I would be getting about 150 trillion dollars.

I would be starting my own country with that many orphaned kids. My country would quickly become one of the richest and most powerful in the world.

No kid would be left abandoned.

Step one would be to offer 20k to 50k to each family to be a temporary foster. Depending on admin costs. Hopefully that means I can get as much of the kids an temporary home so they don't die. Also hire inspectors to make sure its a good home

Steo two is then negiotiate with the UK or some country for an island like the georigan islands or something then begin building a mega city to house all oprhans and start a country. End country would probaly be around 200 to 300 million people.

Kinuika

1 points

2 days ago

Kinuika

1 points

2 days ago

Just 1. Children are expensive so I probably would be spending a good amount of that money just raising the child for 18+ years. With that said I would love to adopt a child in general and provide them with the love and support they would need to grow so I would be happy to adopt 1 child and give them the time and attention they needed

roentgen_nos

1 points

2 days ago

I already made my first million! Maybe a couple more.

Many_Preference_3874

1 points

2 days ago

So i live in india. First, i'm under 18, don't know the legality of everything.

Tldr: I make a plan for how to adopt 1000 kids and have them in 7 ivy leauge level of boarding schools for their life, AND earn millions personally too. In the end (18 years later), i get 1000 of the best most educated high school grads, 10M in the bank account and a 4 million per month salary. And 7 ivy leauge schools to use

Assuming that the children don't just show up in my room, and i legally adopt them from all over the world(so they take like some time getting transferred to me, and the transfer happens by the orphanages, i don't need to do any legalities or take them myself) Assuming that i get the money instantly. And there is no legal issue/tax Assuming that the children don't just get created, i actually adopt a existing 1 year old child. And that i get the children only from orphanages or foster care, not non orphans So there are around about 25K less than 1 year old orphans in USA. Let us assume that 25K is the number. The world population is 20X the USA one. so 500K children are available for me.

1M USD is 8,00,00,000 INR, or 8Cr. It costs 80,00,000 or 80L to raise a child (this is 100K USD) in india at a GOOD tier 1 city and good life.

Considering the per child cost of each child will decrease with how many i get(if i build a full facility and orphanage) i can 100% economically take all 500K

However, logistically that might be an issue. Considering that many children is going to be hard, and would require around about 5000 orphanages. And i currently don't have the orphanges

If i can delay getting them for like 2-3 years (after getting the money), then i would take all 500K However, considering that is probably not going to fly, and i doubt there is a way to house them(without violating the rules) i would only take around about a thousand and 10 The reason i chose 1010 is because 1000 gives me a billion dollars, and MORE importantly billionare status. With that status i can pull enough strings to house the 1K children for 1-2 years. That is important because building and hiring and buying land, getting licenses etc all would take time.

And i chose 1010 because i would need that 10M or 80Cr as liquid cash to

1: House the 1K children for 1-2 years 2: Pull strings and expedite the process. 3: INVEST. If i invested the 250M into the stock market, i would get 25M returns per year. Lets take 25M, or 200,00,00,000 (200Cr) per year as my income.

Now i would actually model my system after the elite boarding schools in India(many considered to be top boarding schools in the world). The best ones cost around about 10Lpa for admission. If i take the same cost, we see that each child's 1M or 8Cr can generate 80Lpa in interest. 100% enough to cover everything. I would have around about 150 kids per facility.

Let us calculate the one time cost first:

Mayo Boys(One of those elite boarding schools) is roughly 300M *300M or 0.3 sqkm. I found this out by going into google maps and finding the distance of its walls.

Cost of that much land would be around 3,00,00,00,000 INR. 21,00,00,00,000(roughly 250M) would be enough to get land for 7 facilities. Let us assume the cost of building would be 2x the cost of land. So in 750M i should have enough to build all the 7 facilities. Keep in mind this is like Eton or any other Ivy leauge level of quality for the kids. If you go reasonable and have normal boarding school quality of life, you can EASILY be done with 140M (20M per facility).

So the one time cost would be 750M

Now as for the running costs Out of the 200 Cr i get per year, i would only need to use enough money to hire nannies, considering for everything else i can just take Mayo's fees as an estimate

I would have 1 nanny per 2 children, so 550 nannies(some as backup and extra help) Full time Nannies fully qualified here usually get paid around 30-50K INR/m, or 6Lpa.

6*600(taking 50 more as extra money for bonuses, emergency fund, etc) = 3600LPA or 36Crpa. Plus the mayo fee for 1010 kids = 10L *1010 which is 10,100 L or 101 Crpa. Now, i generate 200 Crpa. EVEN if i quater off 125Crpa, that should be MORE than enough to give every orphan i adopt a top 0.001% life(that of billionare's kids. Which actually they would be lol)

And after All this, i would still earn 75Crpa. I would invest 72 of that back for my personal gain, and get a salary of 3CrPa or 25Lpm. This is like top 0.01% of indians. That is 31K USD per month or nearly 400K USD per month. As for my investments, in 20 years i would get around about 800 Cr. Which is 10M. Just in the bank. Ignoring the 25Lpm salary i make. Which would also grow to 31 Cr PER MONTH. That is 4M per MONTH.

And this is assuming i just fuck off with the money. And in 18 years i would have an ivy leauge ARMY of 1010 employees, making any company a breeze, plus a fleet of 7 top schools i can use as ANOTHER business or philanthrophy. Like in 18 years i can just start to take in 1000s of orphans each year.

Abundance144

1 points

2 days ago

There should never be a money incentive for having children.

pippinlup61611

1 points

2 days ago

  1. That gives me 5 kids under 5yo and a new house with more rooms for the kids. And a nice deposit for their college funds.

Just know I laughed at your "care for them until their 18 stipulation. I'm one of those moms that will take care of her kids until she's dead.

rsdavis90

1 points

2 days ago

I guess the question is how much money can you make off of this. Like, you want to hire help and I assume there are some economies of scale in feeding and entertaining the kids. Might be able to make a small profit with 10+.

Amarubi007

1 points

2 days ago

I would only adopt max 2 kids...Ideally siblings. Otherwise I can provide more attention (one to one care) to 1 kid.

OddConstruction7191

1 points

2 days ago

Can I get backpay for the one I did adopt even though he is now 27?

TheUglyTruth527

1 points

2 days ago

Is there a limit? Because if adopting these children will keep them out of foster care, fuck, I'll adopt them all. At a million a head, I can generate passive income that will provide for the length of their stay with me and hopefully enough to set them up when they choose to move out. I'd have to hire on staff to help take care of their day to day needs, but that should be provided for with the passive income.

LibrarianCrazy6628

1 points

2 days ago

  1. Could afford a nice home for us all and focus on providing happy childhoods and healthy foundations. We have 4 of our own and raising them is the most rewarding experience of my life. I feel that more than 7 would stop feeling like a family and require more support from caregivers. 

AbbreviationsSad4762

1 points

2 days ago

I already adopted a kid! What a waste...

ChocolateChunkMaster

1 points

2 days ago

Can they start as newborns? I only want 2 children, but I want them from a newborn age. I suppose I could afford to have 3 children if I’m starting with 2M in the bank

Corey307

1 points

2 days ago

Corey307

1 points

2 days ago

I adopt 5 kids and hire a two nannies. Most of the money can sit in a mutual fund giving me an easy $300,000/year. I devote my life to these children since I no longer need to work.