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If you're looking for a more detailed guide to financial planning, I recommend the following:The ABCs of Personal FinanceFigure out your GoalsThe very first step, is simply to figure out what your goals are. Do you want to retire at 65 with a million dollars? Retire at 65 as a multi-millionaire philanthropist? Retire at 45 with just enough money to live a frugal, relaxing life? Save up $200,000 in the next 20 years so that you can send your kids to the best private colleges? These are all equally valid answers, and there’s a different one out there for every person. You simply need to figure out what your own life goals are.Some resources that can help you figure this out:Guidelines for how much money you need in retirementCalculator for how much money you’ll need in retirementGuidelines for saving for your kids’ collegeBudget your SavingsOnce you have figured out your goals, the next step is to figure out how you can get there. Too many people spend whatever they feel like spending, and save the rest. The first step towards achieving your financial goals is to flip the equation.First figure out what you need to save every month, in order to achieve your goals. And then, spend only whatever is remaining.Calculators like this, can help you figure out exactly how much you need to save every month to achieve your goals.Some of you may find this minimum-goal to be “too easy.” You may want to challenge yourself to save even more money, and are wondering how to strike the right balance between saving for the future & enjoying the present. If you’re one such person, give yourself a pat on the back. You’re on the right track. There is no single answer to this question, but the approach I’ve used is to split my money evenly between savings & luxury spending.For example, suppose you’re making $5000 per month. Break down all your basic living expenses:$1500 – taxes$600 – rent and utilities$75 – car insurance$180 – medical insurance, life, ad&d$500 – groceries$1000 – minimum retirement savings to meet your goalsThis leaves you with around $1000 left over. Split this money equally between your savings & luxury spending. Put an additional $500 into your savings every month, and allow yourself to spend the remaining $500 on whatever luxuries or hobbies you like, free of guilt. Whenever you get a raise or bonus at work, put half of it into your savings, and allow yourself to spend the other half on anything your heart desires. You may want to pick your own ratio, but I personally find this 50-50 balance helps me enjoy life to the fullest, while still sleeping soundly at night.One quick note to mention here: There’s a huge difference between nominal dollars, and dollars indexed for inflation. One million dollars in 2040 is worth less than $500,000 when indexed for inflation. Whichever term you prefer to use when doing your calculations and looking up online tools, make sure to stay consistent.Maintain Separate Accounts & Automate ItOnce you know exactly how much you need/want to save, you need a surefire way of keeping your nest egg safe and separate from your spending money. Mixing the two of them together, is the easiest way to wreck all your careful plans & eat into your nest egg without even realizing it.The best & easiest way I’ve found to do this, is to set up separate bank accounts. At the very minimum, set up one account for your savings, and another account for everything else. I personally keep 3 different accounts. One checking account for all my basic life expenses. Another checking account for luxury spending. And a third account on ETrade, where I keep & invest all my savings.Once you have your different accounts in place, set up your paychecks to direct deposit money into each of the accounts automatically, from every paycheck. If you know you need $1500/month for your basic living expenses, have that much money direct deposited into your checking account directly from your paycheck. If you plan to save $1500/month, have that money direct deposited to your stock brokerage account directly from your paycheck every month. Arrange to have anything left over direct deposited to your luxury spending account.If you ever find yourself wanting to go shopping or traveling, first look at your luxury account’s balance. Whatever money you see sitting there, is yours to spend guilt-free. But don’t even think about dipping into your savings, unless it’s an absolute necessity.Minimize your TaxesThe average American pays $14,000 in taxes every year – enough money to become a millionaire over the course of their lifetime. Luckily, there are a number of tax benefits that we can all take advantage of, to reduce our tax bill. Every dollar not paid in taxes is an additional dollar earned & saved. Depending on how rich you are and how extensively you take advantage of these deductions, you can save tens of thousands of dollars every year. So definitely spend some time exploring these options fully.The biggest tax benefit that you should definitely take advantage of, in order to save for your retirement, is the 401k and IRA plans. At the very minimum, these plans allow you to invest your savings without having to pay any capital gains taxes. That will single-handedly boost your savings by 15%. Another advantage of 401k plans is that many employers will match a good chunk of your contributions. Taking full advantage of these matching contributions is like getting a 5% wage raise for free; don’t ever leave that money sitting on the table.Traditional 401k/IRA contributions are also exempt from Income Taxes for that year. This will significantly reduce your immediate tax bill, allowing you to save even more money. Keep in mind that you will eventually have to pay taxes on this during your retirement, but if you were to use it on charitable giving, significant medical expenses, or other such exempt uses, you may never have to pay taxes on it at all.One tradeoff you make for getting all these benefits, is that the money in your 401k/IRA accounts can only be taken out after your retirement. This can be a blessing in disguise, preventing you from blowing your savings on unnecessary expenses. But if you do have legitimate expenses to handle before your retirement, you should save up for those expenses in a non-401k account.There are quite a few exemptions that allow for early withdrawal, to account for unexpected hardships & life necessities. For example, you can withdraw money early from your 401k account to pay for qualified educational expenses, medical expenses, and to make the downpayment on your first house. If you plan to take advantage of these exemptions, make sure you research it thoroughly before committing your money to the 401k account. In general though, the 401k is an excellent way to save for your retirement, and significantly reduce your tax bill in the process.If you’re investing your savings, as you definitely should be doing, you should certainly make sure to minimize your capital gains taxes as well. Whenever you buy a stock that appreciates in value, always hold on to it for at least one year before selling it. This will cut down your taxes by half, or even eliminate it completely. If you want to go one step further, there are other fancy tricks you can use, like Tax Loss Harvesting. I personally avoid it, because I find it too much trouble and too easy to get wrong, but it’s certainly an option that’s available.The home mortgage interest deduction is another excellent way to minimize your tax bill, if you decide to buy a house. All you need to do is simply not pay off your mortgage early. This is a very good idea for other reasons as well, as covered later, but one additional tax benefit is that any money you spend in mortgage interest payments, qualifies as a tax deduction.If you know for certain that you’ll be spending some amount of money on educational expenses or medical expenses in future, you can also set up special accounts for those. For educational expenses, you can set up a 529 plan. For long-term health expenses, you can set up a Health Savings Account. For immediate dependent-care and health expenses, you can set up a Flexible Savings Account. Be careful that if these expenses do not materialize, much of the money in the account could be penalized heavily. I don’t have first-hand experience with these special plans, but if you know for certain that you’ll have certain educational/medical/dependent-care expenses in future, you should explore these plans as a way of reducing your tax bill further.The last and potentially more lucrative tax exemption of all, is Charitable Giving. Every dollar you give to charity is a dollar you will not have to pay taxes on. Note that your tax savings will always be smaller than the amount of money you’ve given to charity. So you will never become more wealthy by doing this. However, if you find yourself wanting to give back & help those less fortunate, this tax deduction is an excellent way to pay less in taxes while simultaneously making the world a better place.Managing your InvestmentsIn an earlier section, I linked to the following investment calculator. Try spending a few minutes playing with the Rate-of-Return field, and see what effect it has. Spoiler alert: It’s huge. Every 1% increase in your rate-of-return, can gain you an additional $100,000. Managing your savings & investing it wisely, will have an enormous impact on your retirement nest egg. Every small detail will make a difference of tens of thousands of dollars, so definitely educate yourself thoroughly on this topic.There are some excellent services out there, that manage all your investments for you. If after reading this section, you still feel uncomfortable managing your own investments, you can further explore using such services. But knowing the basic principles of investing is still something that will serve you very well.The very first decision you’ll want to make, is finding a balance between stocks and bonds. The stock market has historically averaged ~10% returns per year, but is also a lot more volatile. Long-term bonds (US Treasuries) have historically averaged ~6% returns per year, but are much less volatile (particularly if held to maturity).As you earlier saw from the investment calculators, the difference between 10% and 6% can easily cost/gain you half a million dollars. Finding the right balance between the two depends on a lot of factors, such as your age, income and temperament. The conventional rule of thumb is that you should invest your (age-10)% in bonds, and the rest in stocks. There are also more sophisticated questionnaires out there, that will recommend a more customized asset allocation to fit your specific circumstances & outlook. You can use these to figure out the stock-bond balance that is right for you.A quick note about CDs and savings accounts. In contrast to stocks and bonds, CDs cap out at ~2% returns, and bank savings accounts barely reach 1% returns. Their returns are so abysmal, that you should never rely on them except as temporary holdings. If you ever find yourself in an emergency where you need money immediately, you can always sell your stocks/bonds from your brokerage account, and raise the money you need within a day. Even if you were to realize a loss due to market conditions, it still beats tying up your money in savings accounts offering abysmal returns every single year.At this point, if you don’t already have one, you should set up a brokerage account from which you’ll be able to buy & sell stocks/bonds. I personally use ETrade because of their low costs, and have always been fully satisfied with their service. Once you’ve set up your brokerage account, you can get the associated routing number, and have your savings be automatically direct deposited into it from every paycheck. ETrade also allows you to electronically transfer money for free, from any checking account to ETrade and vice-versa.Once you’ve figured out your plans, set up your brokerage account and have the money to invest, let’s discuss the nuts and bolts of making an investment. There are all sorts of financial wizardry you can engage in, but since this is intended to be an introductory guide, I recommend the following bare bones approach to get yourself startedFor stocks, buy Vanguard Total World Stock ETF (Symbol: VT)For bonds, buy Vanguard Total Bond Market Index Fund (Symbol: BND)When placing an order:set the type as “Limit”the Limit-Price at a value 2% larger than the currently traded valuethe quantity at a integer number smaller than (investment_amount/limit_price)the term length as “Good for the day”check the next day, to confirm that the order went through as expectedBecause ETrade charges a $10 commission for every trade, do not place small orderswait until you have ~$500-1000 saved up, before placing an orderOnce you get more comfortable, you can deviate from the above and pursue other investment strategies. For example, you can invest specifically in Emerging Markets,International Developed Markets, the S&P 500, US small-cap, Long-Term Bond fundsand/or International Bond Funds. I personally like to divide up my investments equally among all of the above.You can do your own research before committing to portfolio, but always keep in mind your two goals:Diversification, across all different companies, sectors, markets and locationsMinimal expense ratios: 0.2% or lowerFor example, when you invest $1000 in the Vanguard Total World Stock ETF, you are literally investing in thousands of companies, in every single market segment, across ~50 different countries. Even if a number of these companies were to go bankrupt, or their countries were to fall into civil war, your overall portfolio would still hold up reasonably. And you are getting all this for an extremely low expense ratio of 0.2%. In contrast, buying individual company stocks places a lot of risk on your portfolio, and actively managed mutual funds charge expense ratios of 1% of more, despite consistently getting trounced by passively managed funds. No matter what specific strategy you decide to pursue, always buy Index Funds & ETFs.One last point to make here, and this might be the most important of all. We are absolutely horrendous when it comes to market timing. The average investor’s track record over the past 30 years is an abysmal 1.9% returns per year, in painful contrast to the 10% returns that the S&P-500 index has achieved during this same time. The reason for this? People consistently & repeatedly sell their stocks, or stop making new investments, whenever the markets are panicky. As a result, they then miss out on the dramatic upswings that happen right after a crash.Do not let this happen to you. The smartest & most business savvy investors out there have tried very hard to time the market just right, and they have mostly failed. Once you’ve set up a 20 year plan for yourself, stick to it, paycheck to paycheck, no matter what the talking heads on television might be saying.Buying vs Renting a homeHousing tends to be one of our biggest expenses and/or investments. Hence, the decisions you make about your housing situation, will have a very large impact on your long-term financial security.It can also be one of the most complicated to figure out and get right. Under some circumstances, buying a house is an extremely wise move. Under other circumstances, it will prove to be a big financial setback. To figure out what is right for you, I highly recommend using the following NYTimes Rent-vs-Buy calculator. It can help you make sense of your local property market, and figure out whether buying a home is a financially savvy move for you.One caveat to mention here, if you choose to rent a home. Renting is certainly cheaper than mortgage payments in the short term, and if you choose to rent, these calculators are all assuming that you’ll be investing the difference in stocks and bonds. Hence why renting can sometimes be a better decision than buying – investing the difference in stocks and bonds can sometimes be more lucrative than buying real estate.However, this only works if you remain disciplined about maintaining your own personal savings plan. If you simply pay your rent and save a minimal amount of money on the side, you’ll be shooting yourself in the foot.Buying a home & signing a mortgage is like enrolling yourself into a forced savings plan. Every month, the bank will give you a call and very forcefully suggest that you stick to your savings plan, by making your mortgage payment. Nobody likes others telling them what to do, but if you’re lacking in financial discipline, this can be a godsend. On the contrary, if you choose to rent your home, the pressure will be fully on you to make sure that you remain disciplined & invest significantly in your own savings plan.To be sure, buying a home can certainly be an emotional decision, as well as a financial one. If you choose to buy (or rent) a home, despite the numbers recommending otherwise, that is certainly a valid choice to make. But be honest with yourself about what it really is –luxury spending. There’s nothing wrong with spending money on the things that make you happy, as long as you’re aware of the choice you’re making and can afford to do so.Building up your credit scoreIf you ever find yourself wanting to buy a home, or take on a loan, having a great credit score can save you thousands of dollars in interest payments. Fortunately, it is also one of those things that don’t require much conscious effort to attain. With a few small tweaks, and good financial practices that you should be following anyway, you can be on your way to building a great credit score.Always pay your bills on time, no matter what. In fact, I’ll go one step further and say that all credit card balances should be paid off in full, every month, no matter what. If you don’t, the interest rates on those balances will bleed you dry. If you can’t afford to pay off your credit card balance in full, you should not have spent the money in the first place.If you ever have any loan that charges you 10% interest rates or more, you should similarly pay it off as soon as possible. On the flip side, if you have any loans that charge 4% interest rates or less, make all your minimum payments, but do not pay it off early. You’ll be better off investing the money in stocks & bonds instead, which offer 6-10% returns.Use only a fraction of your available credit limit. Ideally, 10% or less. For example, if you have 2 different credit cards with a combined credit limit of $20,000, you should only use $2,000 of it. If that isn’t sufficient for your expenses, request a credit limit increase, or pay off your credit-card balance multiple times during a single month.Build up your credit history, and hold on to it. Open up your first credit card as early as you possibly can, and hold on to it for decades. Use some amount of credit regularly. If you have the choice of paying for something using your credit card or cash, use your credit card. If you have the choice of buying your car outright or taking on a low-interest loan, take the loan. Every 2-3 years, ask your credit card company to raise your credit limit, even if you don’t need it.You don’t want to have too many different credit cards or loans, but it does help to have around 3 sources of credit active at any one time. This will allow you to build up your credit history and establish your reputation as a reliable borrower.There are websites out there that will give you free copies of your credit report, and others that will help you monitor your credit rating and give you customized recommendations on what you can do to improve it. It might be worth your while to explore these for a few months, just so you can better understand your credit score and what you can do next to improve it.Career PlanningI’ve put this section last because it technically doesn’t fit into the category of personal finance, but it can have a larger impact on your finances than anything else mentioned above. The best possible investment you can ever make, is an investment in yourself. More specifically, an investment in your education & skills.If you’re a high school dropout making $30,000 per year, you’ll have to scrimp and save just to have a financially stable future. In contrast, if you’re an MBA grad making 6 figures, you can afford to really enjoy life, while still saving for a luxurious retirement. Investing in yourself to bridge the gap between the two can be stressful in the short-term, but can pay off spectacularly within a decade or two.A word of warning here: Bad investments do exist, and so too does bad educational expenses. If you’re spending $200,000 attending a private college and majoring in Art History, that may not be the best financial investment.However, there are many other degrees and career paths that one can follow, which are very lucrative. For example, you can become a Registered Nurse simply by attending community college, and it pays $65,000 per year on average. Similarly, there are plenty of other lucrative career options that can be unlocked by enrolling yourself in an Associate’s Degree program at a nearby community college. If you’re willing to study longer and aim higher, there are plenty of college majors available at public universities, with extremely strong career prospects as well. For someone with a college degree and looking to grow their career further, doing a 1-2 year Master’s in a related field, or pursuing an MBA, can help them take their career to the next level.There is no easy answer here, and the ideal way to grow your career will differ for each person. But considering the outsized impact it will have on your financial future, it’s certainly worth some serious thought, research and active planning.ConclusionThere certainly is a lot of information covered here, and it’s very easy to feel overwhelmed if you’re coming across this information for the first time. Rest assured that there’s no way anyone can put into practice all the advice given here, in a single day. Start off slow, and start off small. Bookmark this page, or make a list of all the things that you need to do. Every day, look at the list and work towards ticking one item off of it.It may take a few months to get everything done, and that’s completely fine. Life isn’t a sprint, it’s a marathon. Focus on taking just one step at a time, and before you realize it, you’ll be amazed by how far you’ve come.

My background: I have worked as a travel agent for 10+ years in leisure, entertainment, business, and university travel. I have loved working in Travel, but as others have mentioned, commissions are almost extinct and the only way that most agencies are surviving is by charging service fees to customers--often ranging $20 to $50 per airline ticket or hotel booking.In order to have an IATAN card and earn commission, you would have to work for a licensed agency which has been issued an IATA number. You would be better off working for already existing agency since setting up as your own individual agent can be very expensive. The agents who I know who work as independent agents have only done so after working for years at established agencies and after acquiring a devoted--and big spending clientele over the years. They usually do not operate as their own "agency"--they usually work as an independent contractor with an established host agency--which means less set up costs for you, but it also means you'll be expected to work with more clients than just your relatives.If you are just starting out, working for an established agency would be your best bet--even if it's as an independent agent working from home--as long as you have an established agency already set up for ticketing with IATA. Home based agent jobs are very competitive and harder and harder to come by. You might have to relocate to another city in order to find work--even if you plan to work from home.1. There are various licensing fees payable to IATA as you have to register to get an IATAN number for your "agency"--even if it's just you (again, unless you are working as an independent contractor agent or as a work at home agent employee).2. The fees paid to have a working GDS program to book flights and hotels (SABRE, Apollo, Amadeus). Every keystroke you enter into an airline reservations program to view a flight schedule or issue a ticket costs something. (It might be just a few cents, but when you start booking flights and hotels, it adds up quickly.)3. and bond money: you would have to put up thousands of dollars in bond money to issue airline tickets--even though e-tickets have replaced the old school paper tickets. When you issue airline tickets, you are accountable for those.4. Sometimes the customer's credit card is directly charged by the airline for the ticket, but in other cases, the airline might bill you and you in turn have to charge the customer's credit card. (Which means you also lose money--usually 3 to 5 percent--on credit card fees.) Issuing tickets costs agents money--even e-tickets.5. Plus on the local government end, expect additional permits and licensing fees just to be considered a legal operating business. You will have to file as a business in your state as an LLC or Corporation. There are fees to do that, too--at least a few hundred dollars per year for most states.6. Having an IATAN card and being a travel agent--the agency discounts have dwindled over the years. A few airlines will offer some decent agent rates (like Alaska Airlines and Icelandair), but the airlines have become more stingy over the years. If they do offer an agent rate, it's normally what they call an AD/75 which means the agent gets a 75% discount on the airfare. "Great!" you think... but the discount is off a full-fare Y category ticket--which is the most expensive Economy fare level and usually $2000-$3000. So, that agent discount you get on a ticket from LAX to JFK round-trip might mean that you are offered an agent rate of $500 or $600 on a still Economy ticket... so, you'd do better just getting a 14 day advance purchase sale fare for $350-400.Hotels might be slightly more generous with agent discounts. Fairmont Hotels and Hilton are a couple who offer the best agent discounts--but you might encounter issues with black out dates or room availability. Other hotel chains will just offer you the option to waive your commission of 10%, thus giving you a 10% discount on your hotel stay.7. Commissions: practically extinct with the airlines unless you are ticketing people flying First Class or Business--and usually that only applies to International destinations. Otherwise, commission on Economy fare tickets is a thing of the past with agencies charging customers service fees to stay afloat. Hotels usually only pay 10% in commissions, so booking volume would be the only thing that helps you there. If you are booking tours or cruises, then you can make some decent commission, but again, it's about volume. You won't make that much off a dozen or less people traveling per year.So, I am glad to hear of your interest in the Travel Industry. Do not pay for any "how to" guides or seminars. They are going to be a waste of time and money. If you want to work in Travel, it's best to dive in and reach out to established agencies in your area--or be open to relocating to major cities where you can work for one. There are still ways to be a part of it and make a living. Expect to hustle, though! It's definitely a Sales game and volume of business is key.

As a preface to readers: this is HYPOTHETICAL.Hypothetical-1. of, based on, or serving as a hypothesis. 2. a hypothetical proposition or statement.The fact that you have to tell adults…with computers, who can ostensibly read higher than an 8th grade level that something is hypothetical online now says far more about people than the internet.Money FoundThis will take time to work out, you have to know that as soon as you’re standing there looking at the pallet. If possible, sit down with some paper and a pen next to the pallet and write out your first 10 steps. You’ll need a basic map before you launch into action. 1 hour to plan.I agree with: tell no one. Ever.Your cover story is a dying relative in California. Go, within 3 days. You need a 3 day head start. All of us have about a week or so before jobs, family, friends would inquire about us. Buy a burner phone—you lost yours at the airport and call a short list of people every week, destroy burner, burn the burner to a smokey, plastic cinder. Always call from a new burner from a new location. If possible leave them on vehicles heading THAT way. North, west, south, east, any direction you’re not going. Trains, buses, planes.If you do it right you can even reappear in your old life in 5 years after you have secreted, moved and secured the cash…..elsewhere.My HYPOTHETICAL logic to this scenario and the action is that you can’t be absolutely sure that the money is untraceable or won’t be missed. Assume, in this HYPOTHETICAL scenario, that someone, somewhere, even if all of the drug dealers are dead, knows about the money.Year 1Logistics and MovementFirst issue: how much does $1 million weigh?$1M in $100 bills = 22.05 pounds.$1M in $20 bills = 110.5 pounds.So it’s 24x the above. Let’s say it’s probably $20s. So half a ton. 24 trips to move it. You’ll need a van or a U Haul truck.I’d get boxes, duffel bags and rent a car/SUV. Rent a storage room. You have about a day to move it. I would make a stop at a motel room and drop off a few duffel bags, just in case I returned and something was going on—-I still got 10%-20%. $2–$4 million in the hotel room, this might be my expenses cash anyway.Let’s say I get it all. All $24 million safely into the truck.Go back to the hotel room and rest, make a reservation at another hotel. Find a car/truck to buy for cash—-under $2000 online/newspaper. Get this truck—-better yet an RV, buy it, transfer money from storage room to RV/truck. Most storage places aren’t paying attention if you’re going back and forth, in and out. You need to move the money from your first stop and scatter your trail.Your first trail is to the storage place and the hotel.Then to a New hotel.Then to a New storage place.In the interim, you get your van/RV (preferable) and you decide where to go. I would go South, first.Once South I would buy another truck/van/RV for cash. I’d want a POS. Nothing fancy. Leave the first old van/RV in front of a motel that you’ve rented a room for several days. Long enough for you to get back on the road. The beauty of the cash is that you can pay for gas, food, supplies in cash along the way and your trail is reasonably scattered with similar vans/trucks/RVs.You have to keep moving to scatter your trail.(The logic of scattering your trail is that if someone were to follow you, it’s harder to follow someone who stops places, ostensibly to set up—-you have the #1 Storage Room—-so they have to watch that room or break into it. Are you coming back? It’s going to be difficult to break into a storage room so they have to wait. While they are waiting, you’ve boogied on to another storage place and down the same thing. What this does, for a minimal amount of time and money is it forces anyone trying to track you to stop and watch a cold trail. Are you near the storage room? Is the money in it? Are you coming back to it?My HYPOTHETICAL acts as if someone will come after you. The key to evading a tracker, legal or otherwise, isn’t speed or distance, that can always be surpassed but time. You want to wear out your trackers. You want them criss crossing their own tracks trying to discern yours and your intentions. If I find $24 million, I’m balls to the wall going to play this out once I touch the money and move it. And I play to win, on my terms.)Then I’d back track to NJ if I started in NY. You need to be somewhere that you’re familiar with but new to where you’re going.You need a ghetto/lower middle class neighborhood to rent a house in.(The logic of this—but I didn’t consider this, because Black and Latino people don’t think about this as Black and Latino people is that we can hide easier among our own people than not. $24 million is cartel level cash—-that’s White and Latino, Mexican, Colombian, etc.. They won’t be able to ease into a Black/Latino ghetto unnoticed by the residents. As an individual Black man I can rent a room or a house and drop in and be invisible and quickly build rapport. Poverty is all about relationships. I passively can get half a dozen watchers keeping their eyes open faster than I could in secure community whee I stand out.)Another storage room. Cash.(The logic is now I’ve created 3–4 storage rooms in 3–4 parts of the Eastern seaboard. if I paid upfront for 6 months to a year and left boxes, and even some money in them — one if trackers break in, they find the money or they find nothing. But they now have to break into a place, commit a crime, evade storage security. News, the storage place, someone will alert me that my unit was broken into. This immediately answers whether I’m being tracked or not. Anyone tracking the money will have an idea of it’s size and weight so they’ll think a storage place is logical as I figure out what to do with the money. Not the RV/truck itself. Especially if I’m on my second or third truck/RV. It generally takes the DMV in multiple states anywhere from one month to six to update ownership records.)I might not even transfer title of the vehicle I’m in until I get a another one. I dump one truck in Charlotte. Buy another in Raleigh, don’t change the registration. Drive it for a day to Virginia and buy the next truck there. A tracker again has to wait for North Carolina to update. That’s potentially a month before they start expanding to neighboring states. If I’m really hot, I’d not buy the 3rd vehicle in a neighboring state but in the state on the other side — instead of Virginia, buy in Maryland. A tracker now has to systematically go from state to state using NC as a start point — but should they track west, south or north? That questioning — gives me time.In California you can buy a brand new car, and not have plates for 6 months (they’re changing the law — but Steve Jobs regularly replaced his car with the exact same car before the plates deadline occurred…so technically he was driving a car with no traceable plates.)Your next goal is to get something in another state that you control. Another storage room.I would separate the money. Maybe three or four drops over two or three states. At some point you might need to walk away from everything and you’ll need to walk away, period, never look back, don’t go back to your place, no clothes, no mementos, nothing. Just walk.(The logic is I’ve bought some time. Maybe a month, maybe 3–4 months. I’ve also created a human network (storage attendants, police, newspapers, etc.) as unknowing watchers to keep an eye out for trackers after me. But I’ve gained time. Now I have to long-haul ass because the east coast is too hot. Yet on the other hand that’s what a tracker might think I’m doing so I have to double blind myself. I go old school. Old Native school.Native American war parties would attack a camp, fort, etc.. Draw out the enemy. Sometimes the force was too great and the war party would have to run, retreat. The enemy might know that it was Sioux or Apache or Narragansett so they would know we’re heading upland 200 miles to where the tribe camp is with their reinforcements and more importantly women and children. The war party on the run would intentionally do this criss-crossing game, leaving behind war party members to distract, delay and confuse the enemy. This might mean if there were 10 of you that along the 200 mile trek, you left behind 5 people to sometimes start a fight, the enemy would stop. 3 to run tracks to the east rather than the north east, creating the tracks of ten, the enemy would follow. 2 more would circle behind the enemy and attack them from behind. This gave the fastest 5 men time to get to the village and move the village.But with $24 million I have to always assume trackers are coming. I’m playing for time. I also have to assume that the trackers will get close to me, no matter what, so I must have a bug out plan. Because no one can be left alive over this $24 million, once you take the money, any of it, it’s now your life. Or your death. Your only chance is to decide, on your own terms, how you’ll live and die. Like a Sioux war party.)The Art of Disappearing in Plain SightNow the real work begins. You have to decide what you want to do with the rest of your life and where. The challenge of America is that you’ll always be looking over your shoulder from wherever this money came from. Maybe you can get scot-free away, maybe not. $24 million is different than a few million. $24 million suggests the originator can travel abroad, so you have to consider where you can and can’t go. The places are limited.Monaco.Fiji Islands.Australia.Africa (South Africa — maybe).Rio.France.I would go to the airport and buy tickets to several North American cities leaving on varying dates. Go to the loading gate, check in and then walk away if possible. You need to create a trail, a lot of false positives. This is easier to do with trains and buses, at least a dozen tickets going to multiple points. You have to become a ghost. When someone comes looking for you, you need them checking a dozen trails by train, car, bus, plane — it might mean your life.I’d then use a year in seclusion, bouncing from cash hotels to cash hotels, using a fake ID to plot and plan my next moves.(A point about ID came up, needing it for hotels. Credit cards. You can use gift cards and even Hotel gift cards or online site gift cards. You can make a reservation with a card and pay in cash when you arrive.)The next big question is how much money are you willing to spend to keep $20 million? It will cost you several million to keep the $20 million.I’d use the year to find people in financial distress. Real estate developers. Financiers. Attorneys. Auctioneers. But they have to be knowledgeable and right on the edge of desperate. Not a criminal. Someone who is motivated to help you, hopefully several someones who don’t know each other. You need someone INSIDE of a high money system to move your money.Test cash — say 10% as a brokers fee to someone to move $1-$5 million. You need a credible lie as to why you have this cash. That’s the biggest challenge. Now here’s the kicker: the government will eventually notice cash deposits but how long is that eventually? A tax period? A year? What if I deposit on say January 1st of 2020? Then logically I might not have to answer for it until 2021–2022. They’ll wait a year to see if you file/answer. Then pursue. That’s 2 years right there. Time. You’re always playing for and with time.But you have to make sure that you’re willing to lose your test cash. Say at first a million to move into an account. Set up a business account. Then write one check from one account to another. Set up another business. Invest in several, small businesses. A Chinese restaurant, a laundromat, a grocery store, a bodega, a cell phone store, a discount store, a thrift store. A shifty lawyer (How do you find a shifty lawyer? A criminal attorney that specializes in drug cases. I would hang out at a court house, watch who has the most clients and what their charges are.) would help you set up seed money that you could then move into legit businesses fast. Perhaps a dozen or more businesses, partnerships. I buy 25% of Bob’s laundromat and pay Bob $1000 a month in money orders for 5 years. I just have to buy a money order every few days and I could do this for a dozen businesses in varying states.(The logic is — I don’t need a dozen businesses or partnerships to succeed, I need one or two. The rest are McGuffins. Distractions. I’m dropping seeds, planting them, creating a legal mix and scattering across multiple states in very small ways to obtain legal, financial access. Once I get that I can start parsing cash into accounts I control or have access to or can mix my money into other businesses.Note: Someone brought up tracing the cash itself. Drug dealers don’t possess the technology of the Secret Service/Treasury Department to do this. But let’s give these mofos the benefit of this just to make the exercise fun. In order to track money, generally by serial number it has to get into a banking system, a reserve. There are several large ones through the country.I spend $100 at Joe’s Gas Station in Southern Jersey.I buy a truck for $2500 in Southern Jersey.I buy food and supplies at several stop and go shops along the highway from NJ to PA, $1000.I spend $200 at a motel in eastern Pennsylvania.I buy a truck for $2200 in Pennsylvania.I spend $500 at a storage place in Charlotte.I buy food and supplies at Wal-Mart in North Carolina, $1000.I spend $1000 in Raleigh on storage.I buy a truck for $2000 in North Carolina back woods.I buy another truck in Virginia for $3000.Here’s the problem with even a government entity tracking money:Circulation.There’s estimated to be a trillion dollars floating electronically around the world in bank accounts, unclaimed.There’s estimated to be billions in cash in the USA that has not been retrieved back into the Reserves. (Under mattresses, hidden, forgotten, lost, DB Cooper.)It takes time for the cash from all of my purchases to move into circulation in a specific way.My above list isn’t as simple to track as it looks, in cash money. Instead look at it as it’s depository/hand.StorePrivate citizenMultiple stores and private citizensCash/credit businessPrivate citizenBusiness-cash and creditLarge retailerBusiness-cash and creditPrivate citizenPrivate citizenWalMart. I used to work at WalMart, they collect and store and then reuse cash throughout their regional store systems. That money is not getting to a governmental or a bank scanning system soon.Private citizens—where are they going to spend that money? Bills, food, leisure—WalMart, bank, movie theater. A third party removed from me will deposit the money, if they deposit it at all. Is it unusual to have a few hundred, a few thousand on hand at home, to split it up with the wife and kids. That’s the reason why I’m buying under a certain number. Large amounts get deposited, smaller amounts get held and spent.Business and Cash business, will hold it’s cash. Or deposit weekly. Probably not nightly because as a storage place how much cash do they get that they run out the bank with? They need that cash on hand for more possible cash customers. Now those cash customers come to storage place, change a $100, get 3 of my $20s and take those and go to…..Walmart.Total: $15,000 spent. Times 5 $20s that’s 750 $20 bills.Dispersed, imagine 750 $20 dollar bills scattered across the above 5 states, cities, towns, small towns, highway stops. Let’s say you got serial number pings, it would take awhile to get the pings because the bill has to make it’s way back to a bank/reserve. $20s for a reason. $100s are less common and you’d stand out. Remember that fat guy who paid with a $20 bill in front of you two months ago at the Piggly Wiggly? Yeah, I didn’t think so.The below map is now a HYPOTHETICAL illustration. It has no bearing to the words printed on it. Imagine each one of those dots is our tracked $20 bills. What does this tell you?The dude with the $24 million dollars is on the East Coast maybe.Now imagine it’s me, you think I’m not going to burn trails across the country, leave cash on buses and trains and in cars? Not a lot. A few hundred, here and there. Nothing of consequence that someone won’t pick up, count their lucky stars and go spend on casual, normal purchases. Ten or twenty of these drops, I bet less than 3 of the drops actually gets deposited to a bank. And if it does—-let’s say I put $300 in $20s in a wallet on a seat on an Amtrak going to Washington, DC. I hop off before the train leaves. The wallet is found in Washington D.C. or someone finds it at a point beforehand, gets off and a whole new cluster is created in Baltimore. I’d have the entirety of the USA covered in less than a month with false-positive trails.Every one of the major reserves and banks would flag money.I would plant money on trains, buses, cars going in a variety of directions, in abandoned purses and backpacks on college campuses, get the money into circulation. Everywhere.Scary Fact: Cocaine traces found on 4 out of 5 of every US currency bill,. Not because it was used to snort coke but because it’s such a fine powder it transfer easily.)Here’s the loophole of taxes—-you have time to declare what it is and where it came from. Time is what will allow you to implement your next plan. Which is why you need time to figure out what you want to do with your life and to lay reasonably low for awhile. It’s easier to hide among poor people than rich. Plenty of hotels take cash and you can live there week to week or change every few months.(Most poor people, even middle class don’t plan their lives. Rich people do. The planning creates the success, not the success. With time and adroit planning, you can manage all of this. Hell, you’re not working full time anymore and you’re just ostensibly taking care of that dying relative, right? As an aside to this, I would add that there are constant questions about what do “rich” people do that poor people don’t. Rich people start from the premise that there is a solution, complex perhaps, to their challenge. Poor people throw up their hands when their FIRST thought proves unworkable. Rich people people say shit, and get a pad and say there are at least 100 ways to do this, I’ll chart them all, investigate them and come up with 10 and then find 10 people to answer what’s workable and not. From those 10 and those 10 people, I’ll narrow it down to 5 ways that will work.)Accept The New Reality: Your old life is over. Accept it.Your new goals are to find the people who will help you set up your new life.You need a new identity. Several, in fact.I would avoid criminals and instead find somewhere populated by immigrants, maybe even do some Home Depot day labor work. Talk to them. They know ways to get ID. That’s what you need. A new identity. Several in fact. Get several identities, stash them with the money drops. Act as if one day you will only have time to get to a stash and run. I’d slowly set up cars, used, with the money nearby—-long term parking.(Logic. You need to learn from people who are surviving, living, taking care of their families, living on the margins, perhaps even hiding in plain sight how they do it. Juan and his buddies in the pic? Your new mentors. They know how to live off of the grid but access it as different identities for what you will need. You spot Juan a couple of hundred for his contact for a SS card, birth certificate and you can get a new license, grow a bank account and credit cards.)I’d also go to a gun range and take private lessons. Buy guns at gun shows t avoid paperwork and have a gun within six feet of you and the money at all times. I’d also go out into the wild and practice killing animals and gutting them, get past squeamishness at killing.At some point you will probably have to hurt someone who is after the money or who tries to take the money from you. Or the trackers will find you and you’ll have to fight/escape. You must be your first but not your only weapon. I’d take aikido lessons if I were a woman, boxing lessons too. Aikido and boxing and wrestling as a man. You’ll need to know how to fight, even if it’s at a gas station late at night on one of your sojourns. But your first defensive tactic is to always get away.I would also take security guard lessons and keep taking more and more of the classes to understand fire alarms, buildings, transport, weapons, observational skills. Your biggest weakness will be the police and law enforcement. If they get to close to you or have reason to search your premises, you can’t have anything that looks like more than what you are. Which is why the money has to be secreted and broken up. If your hotel gets drug raided, they can’t find your laptop and books or gun (I’d keep it small, maybe in a bag in my pocket, a Starbucks cup, something innocuous.) You have to walk out every day ready to never come back to that room and ready to dump anything on you that connects you to you.That means your clothing will have to be more basic, monotone, boring. Slacks, khakis, a suit, shirts, shoes, sneakers, hiking boots, a travel bag. Anything you can replace, you do replace. Anything that can be replaced, you don’t carry. That immediately lightens your load. I would leave bags with clothing at hotels, happens all the time. You put $200 in cash in it, no one will ever report the bag.(Logic-DNA: I would also at this point start getting weird about DNA traces. By that I mean I would frequent sex clubs, adult book stores, gyms and start gathering hair, semen samples, blood samples and liberally leaving around places you’ve been. Again a higher level trail scattering.)I would also buy, with cash, financial planning books and then dump them on buses, trains, etc. so that the hotel staff never sees what you’re “thinking” about.(You have $24 million in cash. Money will make you a target and you will have to burn the night oil to keep it. You have to constantly think about that now as your full time job so you need a crash course on financial planning and international finances. With enough of this scattering you have maybe 1 year to pull this off, it’s literally a heist. I’d cut that to the bare-wire to 6 months.)Someone will be a problem one day. You have to get yourself in your secluded year to a level where you’re ready to handle problems at a level most people are specially trained at. I would spend time at the gym, a personal trainer, and tell the hotel I do something stupid like data entry and go to my classes several times a week. I wouldn’t isolate myself though, you might need teh protection of a crowd to alert you to danger and facilitate your getting away. I go to movies and concerts quite often, several times a week. This gives you the protection of the crowd but more importantly, if anyone is following you they will stand out because it’s more difficult to blend in to a crowd, two, three, four times in a row AND keep track of following you.The secondary effect of all of this physical working out this has is you’ll probably look different than you did when you got a hold of the money. This gives you time to physically grow into new identities and to grow your new identities that you’ve obtained. You can now play with hair color, eye color, beards, clean shaven. I would have IDs with a variety of looks—-shaven, bald, bearded, something I could change in a short period of time or explain away but different from the other.Again buy travel tickets scattering across the country from several different outlets, make it weekend gigs to go places and just buy tickets. This is your new hobby, false positive trails.When someone tracks you, and eventually someone will, you need to have gone back and forth over your own trail half a dozen times. So that no one can see where you started or stopped. You’ll probably have to keep track of this in some basic way—-don’t keep this list/map on your person, on your computer nor with any of the money. I’d say a USB drive with just a list that you only access from public-library pcs or Fed Ex/Staples. You’ll need to avoid your own clustering. Or create so many clusters that it’s impossible to discern what’s a clustering.You will also have to no longer use any of the social media you have used, the search history, websites. You have to change everything. I would spend the year slowly deleting what I could and recreating false positives again. Family in different states, pictures from places you’ve never been, etc.. People don’t realize that we create “internet fingerprints” as individual as our physical ones when we go online based upon how you think and therefore how you search. You’re going to have to work diligently at scrubbing this, changing this, being a new person. I would start creating social media for new identities, attaching emails, uploading pics of places, people you’re “related” to. You have to grow the identities Juan helped you create/buy.HYPOTHETICALLY, This excessive diligence might seem insane but you have multiple short and long term problems:You don’t know what you don’t know. (Where did this money come from, is anyone looking for it or knows about it? You might never know the answer to this question but you have to act like there’s a 12 man bounty squad after you. Because....there might be.)You don’t know what you need to know, yet. (You’re learning how to move, safe guard and launder $24 million…on a Thursday. Give yourself a break. But create rules about how much cash you carry, spend, what you buy and don’t buy. You can’t flash money. Yet.)You don’t know what others know. You have to become the kind of person who controls the narrative about yourself. That’s not just simply lying, that’s filling in the blanks that people nose in about. Money draws attention and you’ll have to deflect it even as you use a little bit of money to keep the majority of it.You are playing a game about how much of the money you can keep and can’t. I would say the best case scenario is $20 million. Worse case $12 million. Between bribes, walking away from, costs, etc., you have to accept it’s not all yours, keeping it might cost half of it. But you’re $12 million up, not $12 million down, right?You will have to defend the money/yourself without the help of the entire police, legal or justice system. You’re on your own. Which means you have to be ready to cross the line when your crack addict hotel neighbor breaks into your room, when someone attacks you at a gas station, when someone tries to carjack you. Something will happen, mainly because you’re alone and what often insulates us from danger is that we travel in small or large packs of people at work, school, family. You’re out of that club, you’re a lone wolf on the prairie. You can no longer call the police. Ever again. You have to run from danger or seriously harm your attacker and then get away. You in essence have become a criminal, the irony is that no one will know you’re one until they catch you, interrogate you, imprison you…as a criminal for something unrelated. Therefore you can never get detained by the police, even if you’re the victim.It will be years of this obscuring and obfuscation before you can rest. But it will be worth it when you calculate the payment you get for each of these years. Best case scenario: $20 million with 20–50 years of life left. Worst case scenario: $12 million with 20–50 years of life left. But that’s before you invest it for a profit….You must control your image in a world that records all of us. This means that you have to assume that unless you’re in a room in the dark, you are being recorded—-video. You must control what that all seeing eye sees. A boring data analyst staying at a Jersey cheap hotel leaving with a laptop and gym bag every day by noon. The goal isn’t to become invisible, the goal is to become one of the herd. The herd will make you individually invisible. But you have to be ready to slip out of the pack at any time. (I’ve been thinking a lot about this one—-there’s make up, prosthetics, wigs, fat suits. I would also start looking into glasses, altering them to cause reflections and refractions from your face with light as well as micro-filaments to apply to eye brows, cheekbones. Hell, I’ve got free time, I’d watch a lot of facial special effects videos on YouTube and experiment for a few months. Nothing will be a perfect disguise—-it’s easier for a woman to change her appearance than a man. If I were a smaller framed man or could lose weight, I’d go drag the whole year, live as the opposite sex than the one being looked for.)You have to play your life as a long game now. In increments of years. I would take up meditation to learn how to calm myself quickly and deeply. Maybe even go to retreats. You need to relate to Time differently. You need to have greater control over your emotions and impulses because you need to hone your sense of intuition vs your sense of fear.I would use escorts/prostitutes in various cities for sex. Again your data analyst cover. You may have to avoid deep relationships for years because the money is your primary project and you can’t have someone too close, snooping around your apartment. If you date someone then rent a hotel room in a second hotel-—never bring anyone back to your A Spot. if you play it right, you’ll get the money into places, accounts, and businesses that you wholly control in a few years and then you can discreetly marry them (marriage will help you double hide in their identity. The problem is they are married to a false identity and this is why you might forsake deep relationships for a few years.) Another problem would be spending money in front of them, you’ve just created a witness to the fact that you paid for dinner with a wad of $20s. If the Trackers are good they’re going through each person, proofing money to event, to purchase. Eventually they might find an ex. Or an ex will look for you. Or an ex will become a stalker. Intimate relationships are dangerous until you’ve established a whole new identity, moved all the money and have control of it. Then you can date in your new identity.You’re not sure yet where you’ll end up. You have to accept that you’re moving to move at first. Then you’re moving to obscure. Then you’re moving to obscure your obscuring. Then you’re moving to drop seeds. Then you’re moving to check your buds. Then you’re moving to reap your harvest and ship it away. A lot of your life will be this movement so you’ll need to become a more encapsulated person who is flexible enough to move and disappear at will or intuition. This would also disrupt any long term relationships or even answering what your “life plan” is. Your inability to answer or sudden disappearance might raise a red flag. All of the scattering work has one crucial element: you’re not attached to it. Running around, creating false trails, all of this has been done by an invisible hand-—the last thing you need is someone who can identify you on such and such date in such and such place. That identification, say 6 months in, would obliterate any scatterings you’ve created up until then and immediately put you on the run. And a running rabbit is easier to catch than one that’s had time to hide in a forest. Running itself is the worse thing that can happen now, so you have to make sure you’re in control.Years 2 to 5You’re in better physical and mental shape, you’ve had time to think, plot, plan, pull together some pieces, be quiet, check some people out.Someone has helped you get a small chunk, say $750,000, into a bank account you control. Now you can do something.Buy a cheap house (s) with the company, rent a couple of them out. New storage places for cash, again dividing it up. Conceivably you could end up with a dozen or twice as many hiding places. This is perfect. Trackers are looking for $24 million, a thief might consider it a boon to find $500,000, you can walk away from $500,000 easier than $23,500,000. You’ll be willing to cut bait if you spot something out of whack on $500k, your instinct would be to fight for $5 to 24 million, you need to work against your own instincts.You can start easing cash into the accounts of each LLC, not much but some. Done properly and quietly, as if you have tenants, you could probably get a million or so in. I would furnish the homes, AirBnB them (get a student to manage it for you or a neighbor or property manager. Pay well but not too well. You need them to help maintain your mundane existence as you “travel doing IT projects as a consultant”—-just saying that alone and eyes will glaze over and take they’ll paycheck), stage them as if people live there, light timers.I would encourage AirBnB folk into them, you want again a steady flow of traffic in and out, lots of faces and people. Always assume that wherever you are you’re being watched. I would arrive at these places with a suitcase like a traveler. Any chance, no matter how remote you get to lie about yourself, about what you are and are not, take it. Your favorite food, color, type of music, I would fill the trucks and RVs with different music than I liked, buy clothing two sizes too big or too small, pepper my stuff with women’s clothing and make up to look like a couple traveling together. Whatever it took to make someone, a Tracker, doubt. Scattered trail, multiple trails, doubt, false trails.You have to treat the money like you’ll only have 1 hour to retrieve it one day so you can’t lump it together. If a million is 50–100lbs you have to consider how fast can you move 500lbs? What kind of car can do that and not look suspicious? A packed car in a garage of a house or two, maybe even one rented down the block from where you live. If you arrive and it looks hinky you want to be able to keep driving by and go to another house. I would get my house at the end of a cul de sac so that I can watch who comes in or out—-I would slowly buy the surrounding houses in the cul de sac under varying LLCs and own the whole neighborhood in a year or two—-and be able to cut through the backwoods. Or on a corner of an intersection, it will give you good visibility of who is watching the house.Assume you will get caught in one of your hideouts. Someone will break in. There will be a natural disaster. A fire. Your whole bundle can’t be in one spot.But with cash in the bank and time, you can now branch out. You can invest in things, create partners, limited partners who put in cash every month. Stores, restaurants, bodegas, laundromats can do 10%, maybe even 50% better in business every month to get cash into their working accounts. And that cash can be used to set up something else until you have a network where you can slowly infuse cash into it. But you’ll need time and a drawn out plan. Think of it like a chain of Christmas lights of businesses and accounts that you control.Now you can run business deals, get paid in cash slowly to get passports, to get out of the country. Which might have always been your long term goal. You’ve been taking flights to places, checking places out, checking out the strength of your ID. I would do tourism junkets to one country, leave the group to check out another. Again improvising your scattering your trail internationally.Insanely it’s easier to get INTO Mexico than out of. I’d start experimental trips down the coast. The coast is safer because there are American military boats and bases on the Pacific side and the Gulf inner side. Inner country, consider it bedlam, too risky and you would stand out. You want to go from seaport to seaport, military town to military town, you’re scoping out with $750k in the bank, how to get out of America. You might want to get out as one identity, secrete the money legally internationally where you have access and control and then come back into the country as another identity, who works for/owns the company that now has the money. That would be perfection, this would be to my mind, my end goal.Scatter.Leave America with money under one identity.Have the ability to return to America as another identity with full control of money. I would look like just an employee/business person with international business. I might even do something insane like get government contracts or do catering or something for law enforcement so that I was always surrounded by police. Another layer of protection.This might take you several years with that much money but you want to travel around Mexico and the Caribbean. Get to St. Kitts. Bimini. Deposit and transfer small amounts of cash. Start taking short flights to there and back. Private flights. Watch security. Could you get through with a duffel bag? $500k? $1 million?Your goal might be to over the course of 5 years get cash to a friendly foreign bank (Your nest egg of $12 million). But it will be a full time job just scoping out spots and moving money. Never trust anyone with the full story, the whole nut. Always be piddling, a fool with half a million in cash, maybe $1 million max in an account from multiple legitimate sources.But your security training and self protection training will make you someone who can spot a problem, get away from one and fight out of one if there’s no other choice.Steps.Move and separate money.Obscure your identity.Train yourselfCreate new identities.Bribe others to move small amounts.Repeat steps 3–5.Not that, you know, I’ve thought about this……..Note: TrackersI got several messages about them. HYPOTHETICALLY. It wouldn't be the criminals in any way tied to the money, it would be one person removed. Say the secretary (or a family member) who tied up wads and wads of $20s learns her bosses were killed by each other and the money is gone. (If possible, I would torch the place where the money and bodies were, burn some cash.) She’s not going to run around the country with a gun looking for you. She’s smart so she’s going to hire Skip Tracers around the country to keep tabs on your identity if she can figure it out. She’s also going to hire a handful of private investigators and/or bounty hunters with your pic and a substantial cash reward for your capture. If I were her, I would build up a BS charge of divorce, child support, alimony, and running off with a million in cash.Smart Trackers would also be looking at a certain economic level, high and low, medium is broad. High, because suddenly you’ve got lots of cash so someone would go wild, high on the hog. Easiest to find. Low would be someone who doesn’t fit. Medium though, Best Western, Comfort Inn, Motel 8—-there are thousands of them and a dozen ways to register and get a room, it would be a nightmare to search through these.Highways and byways. If they assumed you drove then I would put investigators and watchers at major highway intersections/interstates. The best bet is to pull out a road map and only travel blue roads and thin red ones. Nothing built by the state, only roads built by the county and back roads. Interstate have tolls, and tolls are cameras.I would shop at WalMarts. WalMarts are crowds and the disparate kinds of things you can buy at WalMarts make it difficult for even the sales associates to remember if you bought a wagon of food, women’s clothing and a power saw all at once. Also it’s a high cash place, you can get everything from gum to glasses to weapons, to food to computers there with less tracking. Their video system is extensive yes, but Trackers won’t have time or legal right to subpoena video records. This leaves you a gap of time to keep moving.Trackers on commission/bounty are never going to stop, (DB Cooper!) which is why you have to give them something to do with all of your false positive trails. All of the scatterings give you a tangled ball of yawn for Trackers to undo while you isolate/create your new identity and slip into it. Once you accept they’re after you, forever, it becomes easier to work your program of vanishing.Smart Trackers will also be watching newly incorporated companies with large cash deposits which is why you might want to sidle into an existing business.Trackers won’t be expecting you to have trained to turn and fight them. But Trackers will be able to stop, harm and detain you so you have to be ready to go to war with them, the closer they get.Trackers will never give up if there is a 10% bounty on your head. Ever.Your best and final hope is to vanish in America, get out of America, return to America, if you so choose, as someone else.#KylePhoenix