Best software to make Flow chart for money? What is the best software to create one of those flow chart things to show where your money is going? I am such a visual person and want to make one. I’ve seen them on here before submitted by /u/monkey12223

Threads And The Art Of Short-Form Storytelling: How Brevity Is Winning Hearts via @sejournal, @donutcaramel13 Explore the art of short-form storytelling and its impact on social media. Learn how brevity can make a difference in the digital age. The post Threads And The Art Of Short-Form Storytelling: How Brevity Is Winning Hearts appeared first on Search Engine Journal.

How to get over the fear of spending money Hello all, to start off I’m 25 years old 10k saved no debt. Just recently moved into my new house (renting). My rent, utilities, and food are covered by my job. I was walkways good at saving money but after moving in I had to buy a few necessities for my place (appliances, furniture, etc)and I just get anxiety over spending even 100 dollars when…

401k Limit Roth & Traditional Totals For 2025 the limit for 491k contributions is $23,500 and $7,000 for ROTH. I want to max both as much as possible. Does that mean I can contribute a total of $30,500 or I must subtract my ROTH contribution from traditional? 23,500 – 7000 = $16,500 traditional and $7,000 to ROTH for the year. Thank you 😊 submitted by /u/Rthen …

Roll over 529 or save for my children? Hey guys, I was lucky enough to have a pre-paid and 529 plan to get me through college. I left college with about 15k left over. This amount has grown a bit, and i’ve already rolled over 7k for this year and last. I have about 5k remaining. While I was thinking of rolling the rest over and closing the account next, year, I realized that i could …

Is the house worth it? Basically me and my buddy wanted to get a house. Got approved for 170k. Found a place for 158k with another buyer making an offer already. We offered 168k. Found out it needed a lot of repairs. Got a quote on the repairs for 7.5k. Told the seller we will still do 168k if they give us 5k for closing costs and 6k for repairs. The seller agreed. Th…

37 y/o looking for advice Hi everyone! I’m looking for some feedback on where I stand financially as a 37-year-old. Here’s my current situation: Income: $120k/year (pre-tax) Savings: $13k in a high-yield savings account (HYSA) Retirement: $20k in a retirement account Debt: $9.2k in credit card debt (28.24% APR 😬) $5.1k left on my car loan (11.39% APR) Monthly expenses: R…

Vanguard cannot find my account–seriously I have an interesting problem with an old Vanguard account that was created in 1993. To get to the point and spare all the details, I forgot about the account until now (2025). I know, this falls on me. However, in 1998, I left an employer and they transferred money in to my Vanguard account. From that old employer I have the date of the transfe…

Help with Voya 401k options Hello. With Voya for my 401k and 457. Not many choices here but what should I be choosing? 36 and for the last ten years had 100% in the target fund, but am I better off going for 100% S & P 500 or 70/20/10 etc. Any advice greatly appreciated BlackRock Gov ShortTerm Invest Fund Stable Value Fund BONDS State Street Bond Market Index 0% PIMCO Tota…

disabled sister is swimming in debt 2 years after bankruptcy can anyone give advice for this? my 62 year old physically disabled sister collects credit cards and uses them to the max. she had a chapter 7 bankruptcy in 2023 and since then has run up another $17k in credit card debt. she also uses something called Rise credit which is at 60% interest rate. i now have her credit locked down but what can be d…

$9K in credit card debt Hi!! Disclaimer: please don’t be rude. I racked up this credit card debit in college, I know I’m an idiot, and have several regrets. I’m just looking for advice on the best way to pay this off. I currently have $9K in credit card debt. My monthly payment is $254, it goes up consistently, and the interest/fees are roughly the same. So my payments…

529 advice. May not go to college Writing this about my nephew. His parents contribute to a 529. He is a HS freshman. Family always assumed he would go to college. However he Hates school and has shown an interest in being an electrician. College isn’t for everyone and we get that. However my SIL is now wondering if she should stop contributing to 529 now and put monthly contri…

How to cancel a vanguard IRA contribution? I just now (around 9:15PM ET) contributed to my 2025 traditional IRA account for an external bank account, but I accidentally used the wrong bank, and that bank doesn’t have the funds ($7K) to make this transaction happen. I can’t figure out a way to cancel the transaction, and was wondering if anyone here knows? I tried calling Vanguard but the…

Google Podcast Discusses SEO Expertise via @sejournal, @martinibuster Googlers discuss the expertise of SEO gurus who ask questions that “don’t make sense” The post Google Podcast Discusses SEO Expertise appeared first on Search Engine Journal.

What do I do with my money as an unemployed grad student? I started grad school In July and have some money saved up while I was working prior to classes beginning. I also have money given back to me from my loans. Ive been having stress these last few months about my savings because I dont want the money to just sit in my bank account anymore. Prior to starting school I played with the idea of putting…

Healthcare.gov still cannot find my 1095-A from last year, so the IRS is still rejecting my taxes. What do I even do at this point? In 2023, I had an ACA plan from Jan to July that I enrolled in through the Marketplace. In July, my employer offered me insurance, so I switched to their plan, which had the same insurance company, then promptly got let go a week or two later, which meant no insurance whatsoever. Womp womp. I got the usual emails from Healthcare.gov urging me to…

Can’t stop obsessing over money I am currently employed and have saved up some money for Emergency and also have some considerable amount of debt. Now the thing is I’m finding myself obsessing over money all the time. Checking my bank accounts and credit card accounts. I check my balance few times a day for just no reason. I find myself literally calculating my daily pay and …

36 years old look who’s been in sales my whole career. Looking to break into new field or furthering my education without losing my home from the lack of funds. Any help appreciated! Im 36 years old and work full time with 4 kids and a mortgage. I’ve been in Sales my whole life. Looking to possibly break into a new field or furthering my education to excel into something else. I was possibly looking at learning a new field also but again this would take time away from my main source of income and wouldn’t be able to keep up …

I am 17 getting a $1.6k Social Security check every month because of my dad until I turn 18 in May. I want to know what I should do with it I’ve been looking between putting it in a HYSA or something like an index fund, but i’ve read HYSA are more for short term and index funds are more for long term. I also have a job but that only brings in about half of what I get from SS because I can only work weekends due to my schedule. I’m wondering if I should start long term investing now…

Did I get scammed? I got two bills from the same hospital 1.5 years apart. 6/2023 I visited my friend in Texas from California. At the time I had just finished grad school and was on Covered California. I stupidly went into the river, fell and injured my knee. After a lot of consulting from friends that are medical professionals, I went to the urgent care almost 24 hours later, where they x-rayed my knee and found ther…