Windfall paralysis — lump sum, no plan, vulnerable to bad actors

Pain point

Settlement/inheritance recipients don't know where to park or deploy money, hold unrealistic return expectations (the "24% growth is atypical" correction at 173), and are prime targets for product-pushing advisors.

Signal

Strong — post ~331 upvotes, top comment 598. Overlaps with #1 and #4.

Opportunity

"Windfall Wizard" — a guided 30-day decision flow (park in HYSA → tax reserve → debt triage → emergency fund → invest glidepath), with a built-in cooling-off period and realistic Monte Carlo return expectations. Sells as a $49 one-time flow or white-labeled to credit unions and personal-injury law firms (who have the client at the moment of payout — strong B2B channel).

Evidence

• I have 90k