I need to spend 32,000 fixing my house (Foundation), and I'd like to do it sooner than later

I have just over $30,000 in my savings accounts for emergencies, but I don't count this as an emergency so I don't want to blow out my emergency fund. My luck they start and something else goes wrong and I need to spend thousands extra

Longest I have found is 15 months, which will work. But is there any longer out there? Zero real risk to me as I can just pay the card in full if it comes to the end

I'd rather aggressively pay off a credit card in a year or so than get some silly 7% loan!

I am in the USA, 780+ credit score

I am 25. I’ve lost and maintained over 150lbs and have been left with significant loose skin. For the most part I’m confident but there are certainly areas that cause me more discomfort than others. One of which being my arms, which causes me to wear long sleeves every day. The other places on my body can honestly wait to be done. A brachioplasty (arm surgery) with my desired surgeon would be 16k, which I can afford.

My family has started to place pressure on me to buy property but as a single 25 year old female, I don’t feel the need to buy a whole place just yet. Nonetheless, I have been aggressively saving in the meantime. However, I’m still a good bit away from having a down payment (especially in my VHCOL area in the DMV).

Obviously, it would be best financially to not have the surgery at all, but this is something that does affect me mentally almost every day. I feel a lot of guilt if I choose to delay the house for the surgery like it’s irresponsible of me. Does anyone have any advice?

So I just got a job as a 1099 worker but my boss is telling me that I would only be on 1099 for my first 3 months then I can switch to a W2 if I want to. The problem is, he is telling me that I need to have open availability and that I would possibly have to work 7 days a week from open to close without overtime pay (which of course 1099 employees don’t get that) but I’m a little concerned as he keeps implying that I work for him now and I report to him and only him. I was told I have to work 7 days this week. 4 days training and 3 on my own. I was also told that I would be working open to close. I thought 1099 employees work their own hours? Am I being played here? Need some blunt advice. The hiring process was extremely quick… within 2 days max. And this is a receptionist job for a massage clinic that pays $13 an hour. He said he pays direct deposit weekly

I (26f) have had a money in a 529 account since I was a kid, but because I went to school for free at the college my mother taught at, I did need to use most of it. There is currently about $45k I recently married my husband (28m) and now have full control of the account. He graduated law school two years ago and is a public defender. If you know anything about law school and PDs you know that his salary/debt ratio isn't great.

He makes about $65k a year and is $175k in debt. About $80k of that debt is private loans with about 7% interest. Our plan is to make him the beneficiary, and use the legal maximum of $10k towards the largest private loan.

My question is, what should we do with the remaining $35k? We plan to have kids so my first thought is to let that money grow for them. But another part of me wonders if we should cash out most of the account, accept the tax penalties and just put whatever we can toward the loans now. That would bring out monthly payment down a bit and save some interest in the long run.

For the record, my husband has not asked for this at all. I just feel anxious about having all these loans and want to make the best financial decisions for the both of us. I also work full-time and we are in the process of merging our finances.

I max out my 401k account through work, They give me both a pre tax and post tax account. I put 5% in my pre tax account because my company matches, and my paycheck deducts the rest and goes into the post tax account.

Would it be dumb to stop contributing to my post tax account and put it into my fidelity account? I would put my money into savings, SPAXX or FNILX so that I can save for a house.

Edit to add: I am 32 and have 135k in my 401k. I would only stop contributing to the portion that my company does not match.

Has anyone used Capital One Venture X and would recommend someone else to switch to? It offers 10x miles for hotels & rental cars and 5x on flights, on top of which you get 10K miles each year.

I hold Amex Gold and I'm not benefitting much from it, especially considering a reasonably high AF, even though I mostly use it for groceries and dining which gets me 4x, and I travel at least once a year.

I can continue to use it for what I already but I can perhaps use a different card like Venture X for travelling.

My concern is:

AF is $395 but you get $300 cashback/year if you book anything through  Capital One Travel.

Now the question is, how good (and fairly priced is the collection) on  Capital One Travell?

For Amex at least, I find hotel (and sometimes flight) prices higher than Expedia and other websites.

I am not an attorney, but I work with one in a large company. We were talking a few weeks ago about umbrella insurance. She said she only carries $1M, because the first thing the opposing attorney will ask for is for the total insurance amount available. She believes a higher Insurance value makes you more of a target. I’m currently insured for $5M, and if there’s any logic behind this, maybe I should drop mine down to just $1M.

For context, I’m in my mid 50s, but have one son who will be driving on his own in about a month, and a daughter who is still only 15 so I’m just now approaching my nervous years.

I currently live in Philadelphia and make about $70k/yr. My rent is $1,500/mo and most of the rest of my money goes to bills and living expenses.

I have a job opportunity in San Diego that will pay $130k/yr.

Is the COL is California really that high? I was looking online and there are apartments available near the ocean for $2,500/mo.

I know gas is a little more expensive and I might pay a little more for groceries but making almost double the salary surely would make up for all that and then some.

I have a credit card that I haven't been using for a few years. I recently received a letter saying they would close my account due to inactivity. I wonder if when the credit card company closes my account that impacts my credit score or if that only happens if the user's close.

Okay so my mom quit her job around July of 2024 because she has Rheumatoid Arthritis and got to a point where she felt she could no longer do her job with the consistent pain she’s in.

I have been taking care of her, the bills, the mortgage, my pets and her pets, cooking, and cleaning barely scraping by for months while working my own job with overtime and I also have RA. I work a commission job with animals so it’s very strenuous and now that the holidays are over it’s gotten very slow and I’m not allowed overtime; my checks are really bad right now and I don’t know what to do.

My mom has stated that she its going for disability but that can’t happen immediately because the requirements state she needs to not work for at least 12 and then 5-6 before she’ll get benefits IF (and it’s a big if-48% success for RA) she gets approved. So is the only option to get another job…I don’t wanna get burnt out even more but I’m so lost. If anyone has some advice it’d be very appreciated.

Hey everyone, I’m 23 years old and I’ve been working at my first full time job since graduating college. My employer has a 5% match for my 401k which I have fully invested towards FXAIX. I’m going to soon be debt free within the next week and so I wanted to try and get my future finances set up. Would it be better to invest more into my 401k or would it be better to take a different route? These were some of the paths I’ve been considering assuming I save a baseline $1000 every month but please feel free to critique or offer different approaches!

Path A: Invest all $1000 into 401k past the 5% match.

Path B: 5% 401k + HYSA ($1000/month)

Path C: 5% 401k + HYSA ($500/month) + Dividend Paying Account ($500/month)

Path D: 5% 401k + International/Small/Mid Cap Stocks ($1000/month) [this was something on my mind due to the fact that since my 401k is already tracking the SP500, I might as well have an individual brokerage account to further diversify my portfolio].

Thank you all for taking the time to read this and help a young kid start his financial journey :)

Obligatory im a dumbass.

Ok, so like 15+ years ago I created an Xbox Live account, set it up for auto renewal. Quit playing a few years later and ignored the annual auto.

Well, finally went to cancel it. Problem is, I know NOTHING of this account. I cant tell u the gamer tag, the email associated with it (i think I used an old work email that no longer exists, couldn't even tell u what it is or password).

So, ive tried calling Microsoft, but they cant do anything without the gamer tag or email/login info. I even asked if I give them my credit card number can they just find the account with that and cancel it, no....got with my bank and asked them to block the transactions, cant...so i literally can't do anything. Just have to live with losing $60 a year to nothing the rest of my life? Thanks for any input.

I need a bit of help trying to figure out if I'm eligible to open a Roth IRA and how much I can contribute. I'm a stay-at-home mom, however at the beginning of the school year I picked up a very part time job. I'm maybe making a couple hundred a month max, like I said it is VERY part time, it's just something to get me out of the house a bit. Everything I've read the verbiage is just a little confusing, from what I can tell I can open a Roth IRA, I'm just not sure how much I can actually contribute. We file taxes jointly. Can I only contribute what I myself actually make, or can I go off our tax filing and include my spouses income and in turn contribute the max amount allowed annually? Any insight is much appreciated!

Not sure if this is the right avenue, but I figured this might be the space to ask for advice...

I have been working multiple jobs since 19, I am now in my 30s. Recently I received a job offer making 92k. This is great, but I also live in Hawaii which has an obscene cost of living. I have had a second job for about a decade, its chill, but its on Sundays so I dont really have a weekend. In the past it hasnt bothered me because a lot of my friends are busy on the weekends and I can just switch my days around or take a weekend off, but having permanent extra time off sounds nice.

Lately I've been debating leaving this second job, but I am having a hard time parting with it. I live in a multi generational situation because of the cost of living (Im anticipating some opinions on this lol), as I am trying to save up to buy a place. Its normal here in Hawaii because of the culture and cost of living, so its never impacted my social life. As of right now I have about 100k in savings, about 85k of that I have earmarked for a downpayment/closing costs, I'd like to keep 15k for emergencies. With how the market is, I am anticipating needing about 100k. I also have about 140k in retirement savings outside my pension. I put about 20% to retirement.

With keeping the second job I will be at about 100k. Part of me wants to keep the second job to expedite the homebuying process because I'd really like my own place, part of me wants to quit the second job because extra personal time sounds great. I've contemplated also waiting until I buy a place then quit the job. I am looking for thoughts on how to make my decision because I have always said once I made 60k, 70k, etc I would leave the second job and here I am lol.

Edit: Also anticipating a 3-5% pay increase every July for the next 3-4 years.

Hi y’all! I will be coming into about $15,000 - $17,000 soon and i have no idea what to do with it. i have to buy a car and i will be starting trade school and i need to pay off my credit card but i want the rest to be able to grow. i want to spend no more than 10,000 on a car, trade school will be about 2,500 total and my credit card debt is only about 1,500. should i hire someone to manage the rest of the money for me? i want to get into stocks but i have absolutely zero knowledge on the subject and dont want to make any stupid decisions regarding that. any advice on how i should manage the left over?

When i was 22-24 i bounced around jobs (mostly agencies) and in all of them money went into pensions. The problem is i cant remember what pension company they got paid into and have no paperwork to find which ones. Is there a way to find them without knowing the companies they go to or when i can withdraw will i get contacted by the companies so i don’t actually need to find them.

My income after ALL monthly bills is around $3000 a month, I have a ~680 credit score and had a total debt of around $25,000 in credit cards due to poor financial decisions, no excuses.

I recently decided to completely stop using credit cards and started to follow Dave Ramsey’s advice. I paid off two credit cards already and have 3 left. Two of them (one with $3k and one with $5k) I plan to pay off within the next 3 months.

I will then have my last card with $15,000 to pay off and it has an 18% APR.

What are the chances of getting approved around this amount to a 0% intro APR card? If I apply and they pull a credit check will any bank give me more than $15k in credit limit?

I believe I am disciplined enough to actually pay off the card and already set up a starter emergency fund.

Hi everyone,

Looking for some guidance on buying a car. Currently drive a 2013 civic. I put 60k miles on it in the last 6 years. I make 1400 after taxes and all other expenses have been paid with my part time job. I have 0 living expenses no college debt or any debt in that sense. I really want to buy a used Lexus…..how should I go about this.

My civic is at 360k miles. Quoted 4-4.5k to fix everything.

As title stated, had a sudden change of jobs (company got sold) and the new employer doesn't offer 401K until 1,000 hours worked. Based on my hours, it's about 9 months. Once able to, they match at 4% and fully invested

Currently I do 13% (5% Roth, rest regular 401). I also put 10% into a HYSA

I'm really clueless on what to do until I am able to contribute. I have read about taxable brokerage accounts but I am clueless to be honest, and don't think getting a financial advisor for a short term thing would be worth it

My wife and I make over the income limit to contribute to an individual Roth IRA

Any input is greatly appreciated !

Have a Honda Civic Borrowed at 35k CAD that I been paying 500ish/month for 30 months (of a 60 month plan). (I know there's probably 5k in interest included for the cost of borrowing.)

If I lump sum pay off the remainder of the car, will it be less than the 35k total? Like do I get some of the borrowing charges dropped for prepaying? Or does it go the opposite way and gonna be charged fees for paying off early?

I went through contract and only prepayment notes I could find said they would only refund any 'non-interest' charges related to borrowing.

So my question is, will the amount I lump sum pay (remaining months x monthly) will be the same as just paying the monthly for next 2.5 years?

Cuz if I don't save anything, probably pay off other debts. Thanks.

Hiya!

My husband currently has a traditional IRA that we would like to rollover to a Roth IRA...

How is this done? When are we able to remove the contributions out of Roth if we do rollover?

The amount is very meager, only 7k

We're okay with paying the tax on the rollover.

Hey Just looking for a bit of advice if it is a good idea or recommended that I remove myself as an authorized user from my moms credit card. For reference, her account is 3 years and 6 months old, I solely had become an authorized user because I wanted to build a bit of credit. I dont ever use it tho as I had opened up my own5 Discover which is 1 year and 6 months old. My mom's has missed 3 payments since the life of her credit began while I haven't missed any up until this point. Credit card usage is kind of up there for both of us but Im working on it and almost back to 30%. Im sorry if this is long but I just not sure if removing myself would have a negative impact or an overall more positive due to those missed payments. Any help is appreciated, thank you!

There is a 529 account for me with $10k still in it. I did not complete college and work a trade now but my grandpa is hoping i can still use the money. I told him i would look into rolling it into my roth which looks do-able to me. I did not contribute yet for 2024 tax year so if wondering if anyone has any input on how to go about it.

32 USA, I've always had a good handle on my debt and savings, but just wanted to get yalls opinion on my retirement. My company offers 401k program but with zero match to my knowledge, so ive always figured it wasnt even worth it. Additionally I haven't really had to much effort into IRA items as my national union has a fully vested retirement pension. The older I get, i realize how rare and valuable that is. I wanna say if I stay my full term I get about 60-70% of my best three years. So question is how much can I just rely on that vs other additional sources. I know more is better, but with a full family im usually able to just fill the kids college accounts with my remaining budget.

Hey there people, I'm 17 currently and I'm in highschool rn. I'm persuading engeneering after highschool. I would be greatful if you can guide me about the best and efficient sources which would help me stabilize my income and finance, I am looking forward to stabilize my life before I turn 25 or in short asap, I understand that patience plays a major role in this and there would be a lot of ups and downs in this journey, and I would look forward to face everything. I have realised that we all live once and majority of the people life their life working to enjoy afterwards, and then regret that they didn't live their 20's and 30's to their full potential, so to live peacefully in my 20's and 30's, money plays the most crucial role, so I would be willing to seek knowledge about the best and efficient sources of income to help me achieve this asap