American Hunting: Starting with Solitary Life in the Wilderness

Chapter 85 Controlling a Million Dollars
With all external affairs concluded, Lin Yu'an's life quickly returned to normal.

While dealing with these academic issues, Lin Yu-an also had another equally important and urgent matter to attend to.

He was going to cash the check for a million dollars that lay quietly in his drawer.

In the second week of intensive tutoring, Lin Yu'an took half a day off and drove his secondhand Ford pickup truck to the Bank of America branch in the city center with Ailiya.

When Lin Yu-an handed the million-dollar check, along with his green card, to the bank teller, the young teller's eyes widened instantly upon seeing the number on the check.

She checked it several times, then immediately and respectfully contacted her supervisor via internal phone.

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

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

The manager smiled and poured them coffee and hot milk: "To process such a large check, we need some time to verify it. While we wait, Mr. James, our bank's senior wealth advisor, would like to have the opportunity to speak with you both and provide you with some free financial planning advice."

Lin Yu'an and Ailiya exchanged a glance and readily agreed.

A moment later, James, a wealth advisor who looked to be in his forties and wore gold-rimmed glasses, walked in.

James smiled and said, "Mr. Lin, Ms. Alia, congratulations! Having a considerable sum of money like one million dollars makes sound financial planning for the future crucial!"

He skillfully brought up various charts on his tablet and began to introduce some sound asset allocation strategies.

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

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

He politely waited for James to finish his explanation before speaking, "Thank you, Mr. James, your advice is very professional. However, I have a bolder idea regarding the use of this money."

James and Arya both looked at him curiously.

“I want to use most of this money to buy Bitcoin.”

Bitcoin?

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

"Mr. Lin, if I may be so bold, Bitcoin is an extremely high-risk speculative asset! Its price fluctuates wildly, lacks real value support, and its regulation is unclear!"

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

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

He certainly couldn't say that he was a reborn being and knew what would happen next. He could only explain it in the tone of a "technological faith."

"I believe that decentralized digital currencies based on blockchain technology represent a future trend. Now is the eve of its being recognized again by the mainstream market."

Lin Yu'an remembers it all too clearly! In his previous life, December 2020 was the starting point for Bitcoin to begin an epic bull market.

In the next year or so, its price will skyrocket, once reaching an all-time high of over $60,000! Now is the perfect time to buy at the bottom!

Looking into Lin Yu'an's determined eyes, James knew he couldn't persuade him.

He could only shrug helplessly and dutifully remind him, "Alright, Mr. Lin. Since you insist, I can only remind you to manage your position size and be mentally prepared for extreme volatility."

"In addition, purchasing and holding large amounts of cryptocurrency requires using a reputable trading platform and storing it in a secure hardware wallet."

James felt he had encountered an unreasonable "gambler".

Ultimately, at Lin Yu'an's insistence, James, though no longer willing to persuade him, still gave a final professional suggestion.

"Since you are determined to make high-risk investments, you should build the strongest possible safety net for your family."

James said with an unusually serious expression, "Before you invest even a single penny in that market, I strongly advise you to secure the most comprehensive insurance coverage for yourself and your soon-to-be mother, your wife."

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

Lin Yu'an listened attentively and wholeheartedly agreed with James's suggestion. After successfully cashing the million-dollar check, he didn't hesitate at all, using $10 of his working capital to contact the insurance broker recommended by James.

He first secured a 30-year term life insurance policy for himself with a coverage of up to three million dollars, with Arya and their future children as beneficiaries.

Because he is extremely young and has the best health rating, the annual premium for this huge coverage is less than two thousand dollars.

He also purchased the highest-limit long-term disability insurance for himself to ensure that his family would have a continuous source of income even if he was unable to work due to an accident.

The annual premium for this insurance is slightly high, at about four thousand US dollars.

He immediately prepaid the full amount for the first year of both insurance policies, totaling approximately six thousand US dollars.

This amount of money is just a drop in the ocean compared to his current financial situation, but it's absolutely worth it to give Arya peace of mind.

He also upgraded Arya and their unborn twins to the highest level of family medical insurance.

This will ensure that they can enjoy top-notch medical services no matter what health problems they encounter in the future.

Only after doing all this did he begin to implement his Bitcoin investment plan.

He used the remaining $90 to buy Bitcoin in batches over the next few days through a compliant cryptocurrency exchange in the United States.

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

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

After doing all this, he poured all his energy back into the vast sea of ​​textbooks and exercises.

He no longer cared about the rapidly growing number of followers on his Bilibili account, nor did he pay attention to the various discussions about him online. He even chose to temporarily ignore the slightly rising price curve of Bitcoin.

Lin Yu'an completely immersed himself in the world of knowledge, devoting himself wholeheartedly to a clear goal.

His brain, enhanced by a cheat code, can clearly capture and memorize every piece of knowledge.

Those problems that once stumped him now seemed to have been simplified into the most basic logical modules in his eyes.

Finally, before the final exams at the end of the semester, he took the initiative to contact the professors of those core courses.

He didn't explain his absence in detail, but simply sent them a package containing all the exercise sets, experimental simulation reports, and several in-depth course papers that he had completed during this period.

The professors were deeply shocked when they received the email and opened the attachments.

They couldn't imagine how a student who had been absent for nearly three months could not only catch up on all the content in such a short time, but also demonstrate a depth of understanding of certain issues that went beyond classroom teaching.

Ultimately, they unanimously agreed that Lin Yu'an would not need to take the regular final exam, but would instead use the high-quality assignments and comprehensive course design report he submitted as his final assessment grade.

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

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

The professors strongly urged Lin Yu'an to pursue a postgraduate degree in mechanical engineering.

But Lin Yu'an politely declined, for he had no intention of pursuing this path in this life!
A few days later, he and Arya, both dressed in brand-new graduation gowns, attended the commencement ceremony of the Edward Whitaker School of Engineering at Texas Tech University.

When he received the graduation certificate bearing the inscription "Bachelor of Mechanical Engineering" from the dean of the college, he felt not much elation, but rather a sense of relief and calm.

His life has shifted from the single track of "mechanical engineering student" to a new track of family and career running in parallel!
With the graduation ceremony concluded, Lin Yu'an was finally relieved of all academic burdens.

He carefully put away the hard-earned graduation certificate, and then devoted himself entirely to enjoying family life and welcoming the upcoming Christmas.

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(Two more chapters at 9 PM. Updates will continue for a longer period after the book is released~)

(Daily updates from now on, aiming for 6%, striving for 8%, and aiming for 10,000!)

(End of this chapter)