Paying for NYC private school with 529 from a different state Hi! I have the probably rare and enviable “problem” of having overfunded my child’s NY 529. We live in NY. Thinking of putting the allowed $10K per year from a 529 into private school for her. I know that in NYC this means having to return previous state tax deductions for contributions withdrawn from an NY 529 for this purpose. The twist: My pa…

First Time Home Buyer Savings/ Budgeting Hello r/personalfinance! My wife and I (29/30) are saving to buy our first home soon. We haven’t started shopping for a pre-approval yet. I’m looking for a sanity check on our plan and advice on where to pull money for our upfront expenses before starting that process. Info: Combined gross income: $220k yearly Home Budget: 600-650k Down Payment…

Help with untangling MIL from an unsuccessful business. I am hoping you all can point me in the right direction here. My MIL has spent the last 10 years with her boyfriend down in Florida operating an unsuccessful business. She is unhappy with the relationship but is reluctant to break it off due to her (perceived) debts and liabilities. My MIL “signed a whole bunch of papers” without really underst…

Where to begin investing for a late starter? Hi all, I’m a late starter and really need to get my fiscal ass in gear and invest. Would love advice as far as how best to handle. I sort of know the gist (I think)–max out ROTH IRA, probably put the rest in index funds, but need a clearer picture. Here is my situation – 45, single, renter. Living in NYC I was laid off in 2023, but quickly …

401k delayed mega backdoor, what did I do? About 8 years ago I made a mistake for a few paychecks and made and after tax contributions to my 401k at Fidelity. I recently started at a new job that also uses Fidelity and decided to have my old 401k account consolidated. My old 401k did not allow in service or in plan conversions at the time. Now, the new plan does. So they rolled over the …

google sheets template for couple with seperate bank accounts My partner and I are about to get engaged and have lived together. We are trying to get our fiances and habits in control and build habits to prepare for marriage and beyond. We currently use separate checking and savings accounts as well as separate credit cards. We have tried writing out budgets ourselves, using printables, and more all with l…

We should just keep upping our 401k contributions, right? My husband and I are in a solid place financially and wondering if there’s anything else we should be doing to maximize our situation, despite being fairly risk-averse. We are in our mid-30s. No children, still a bit unsure if we ever will but for now planning as if not. We like to spend our money on vacations, a couple moderate hobbies, and the…

Trying to figure out how to invest $5k as a college student Hello! I’m trying to learn about investing and my finances. I’m still a college student, and I’ve saved $5k to invest. How would you recommend going about this? I have very little knowledge and am trying to learn more as well. I will be opening a Roth IRA, and I want to know what else I should invest in. Also, for my Roth IRA, is it better to in…

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How long do you plan to keep track of your spending? Hi! How long do you plan to keep track of your spending? I’ve been doing it for two years now and feel like it might be enough. 😊 Of course, I still plan to track certain professional expenses, but I think it’s time to stop tracking everything (like bars, restaurants, and groceries). What about you? Any thoughts? Thanks! submitted by /u/a…

Going into 2025 looking for advice M20 Income Job (manufacturing process and asset specialist) Hourly rate-$29.50 x 40hr. Overtime rate-$44.25 x 10hr. Mandatory Bills Phone $76.56 Insurance $243.65 Netflix $15.49 Car loan $338.53 Groceries $300-$400 $1,074.23 Assets Bank account – Checking-$261.11 – Savings-$22,000 (For house) – Emergency Fund-$60 (Just started this year) 401k -…

Struggling with figuring how I’m going to get my own place and afford to live as a single dad and support my son the best I can later in life. Hi, I’m 30, a single dad to a nearly 2-year-old son who I see every other weekend and on some holidays. I’m trying to get more time with him, but it’s been a struggle. I currently live with my parents and one sibling who has a disability, while my two older siblings have moved out with friends a long time ago. I have dyspraxia, autism, and CDA T…

Auto Loan Gap Coverage My 21 year old son bought a new car for around $33k in May. He put $5k down when he bought it. To be safe, I had him add loan gap coverage to our insurance policy. As I’m looking at our upcoming renewal, I realized he probably doesn’t need it. He barely uses the vehicle because he drives a company truck, so it’ll have low mileage and maintain it…

What’s the best retirement book and advisor? I have read many personal finance books and I believe I will teach you to be rich by Ramit Sethi is the best one. I don’t recall seeing a large section on retirement and am wondering who has the best literature on this topic. Anyone you recommend? submitted by /u/UltraAware

College financial help!!!! I’m a college student and I’m trying to start with a new bank to get my future going. I’m 20 with no credit because my parents rule my finances and won’t let me do anything. I tried Chase and they closed 2 accounts of mine for “reasons we don’t know” and couldn’t tell me why. I don’t know who to bank with and I’m worried I’m ruining my financial…

day 1 of trying to fix my financial life. Hello everyone! I want to use this year in order to get my finances right and I want to see if I am able to document everything on the way to stay motivated. I have a total debt as of today 01/01/25 – $30,267.01 here is a quick rundown on what its composed of. List of all known debt Bank of America = $1342.62 – 3% Klarna = $822.17 – no rate jus…

Should I buy the house I’m renting? My husband and I were living with my parents for several years while I dealt with a serious illness but last year we started renting a house from a family friend for $1700 a month. It’s a small 3 bedroom ranch built in the 50s but it had a finished basement and huge laundry room and woodshop. My only real complaints are there is only one bathroo…

Auto Refinance with Capital One Hi everyone, It’s my first car loan and I am not too sure about my calculation, so I would like to seek out help from the experts here about potential refinance with Capital One: Current loan from Honda Financial: APR: 6.99% per contract, but pre-qualify tool says 7.12% Monthly payment: $704 minimum, I personally pay $200 extra into principal…

NJ HSA, still contribute or no? I’m a recent college graduate planning to enroll in my employer’s health insurance plan. Company contributes $500 regardless, should i contribute to HSA even though in NJ, the triple tax advantages aren’t there? Lets say i have already contributed enough to match 401k and reached yearly contribution limit for ROTH IRA. submitted by /u/A…