KIA Finance reported false delinquency after lease payoff – account shows $0 balance and 100% payment history. How to dispute? I recently closed my KIA lease after paying off the remaining balance in full. Two months later, KIA Finance reported a ‘negative pay’ delinquency on my credit report, despite the account showing a $0 balance and 100% on-time payment history throughout the lease. This seems like an obvious error since I have documentation of the completed payoff…

Company accidentally funding a 401k without deducting my wages I had originally put in writing that i wanted to sign up for the 401K plan during orientation and was supposed to have a meeting with someone in payroll to set it up but i never did. Suddenly i get a quarterly report of my 401K mailed to me with a balance of a few thousand. 100% vested. my paychecks have never been deducted. What should I do? Ca…

Separating, how do I sell the house to my wife? I’m just starting down the road to a legal separation. We’re planning on mediation w individual lawyers as well, but have not yet consulted with any other than intro conversations. We have discussed my wife buying me out on our house-essentially giving me half of our equity in cash. My question is, how do I remove myself from legal responsibili…

Drowning in Debt and No Way Out – Just Waiting for the End I don’t even know why I’m posting this. Maybe just to get it off my chest before it all comes crashing down. I’m $96,532 in credit card debt. Another $52,129 in medical bills that I’ll never pay off. My student loans have ballooned to a number so big it makes me laugh. I barely make enough to cover rent, let alone pay anything down. Every month,…

Taxable brokerage set up under my name for minors, how to “give it back” without tax implications (higher tax bracket) I set up a taxable brokerage for younger siblings while they were minors with 10k inheritance. What’s the best way to transition or transfer ownership of the investments. But recouping any previously associated tax implications (formerly low tax bracket) or fees from the account? Current thought process – find any fees / taxes I’ve paid for the…

Elder parent finance question – when to assume control of finances My mom is an 82yo widow whose primary source of income is social security. She owns her home. She lives pretty modestly. I am on her bank account. Yesterday she was phished and ended up driving to Home Depot or target to get gift cards which she then provided via the phone to the phisher. I think it was around $900. She feels really stupid. It’…

Bought a new car but I drive so little. Was it a waste of money? I drive less than 3000 miles a year. I’m not sure if I made the right decision or not to be honest. I rarely go outside and last year I bought my first new car. It was both a first new car, and a first my car (under my name). I’m 35yo. When I was looking for a car I actually wanted a tiny car (size of a fiat500/smart fortwo). But I got pressured…

Does vehicle purchase or car insurance payments have anything to do with taxes? From USA in 20’s. In 2024 my dad bought me a vehicle and he purchased the vehicle and bought it full price with his own money, but the vehicle is under my name. Do I have to put anything down or indicate this purchase of vehicle when doing taxes? How about the monthly paid towards car insurance for the vehicle? From state that has state taxes …

Inherited IRAs – not sure what to do with them Hi! I recently inherited a portion of my grandfather’s retirement accounts after he passed away. The funds are sitting in inherited IRA accounts with Vanguard but aren’t currently invested (they’re in settlement accounts). I have about $10k in an inherited IRA and $5k in an inherited Roth IRA. I’m honestly just confused about what I’m even allow…

I wanna learn budgeting and saving Hi y’all first time posting. I’m 15 (male) and I wanna learn budgeting and saving. I work in a restaurant b/c my uncle was able to help me get in I go once or twice a weekend and get paid $150-$200 or even more by the end of the day. I have a bad habit of spending money on friends or family. I have clothes and stuff that I want but no matter wha…

Should I Leave My Commission Job for a Salaried Role? ook a leap into commission-based sales less than 9 months ago when my wife had a stable, well-paying job. The idea was that with more risk, I’d see higher rewards. But things changed fast—my wife got laid off in October, and suddenly, the financial security we had was gone. We have a small child, a mortgage, and growing expenses. Debt feels like…

$60k in tax debt for 2023, more expected for 2024 – cash out retirement? Edit for missing info: we did not pay quarterly taxes, the money we should have put aside for taxes was spent – we underestimated taxes by a significant amount. We had a number of unexpected expenses come up – we used money we shouldn’t have to cover it. We never learned how to run a business and unfortunately, we cost ourselves a lot. We should…

Do real estate agents really sell homes for more? I’m sure you’ve all heard real estate agents say that if you choose to list your home for sale by owner (FSBO), you will be leaving money on the table, because the average agent listed property sells for X (higher number) and the average owner listed property sells for Y (lower number). Yet, their claims are rarely questioned. It is the classic …

Any disadvantage to buying a home with cash? I am currently having a home built on land that I own. I am financing construction costs with a construction loan. My plan has been to take out a mortgage on the new home (once it is complete) and use that mortgage (plus proceeds from the sale of my current home) to pay off the construction loan. However, have had some other investments perform…

My mortgage company failed to pay my property taxes from escrow and now I’m being fined for late fees. Not sure how to proceed. I’ve been with the same mortgage company for a few years and they have always paid my homeowner’s insurance and property taxes from the escrow account. I have never been late or missed a payment. I received an email from the mortgage servicer saying there was a surplus in my escrow account and I would be getting a refund check. When I went to m…

Extra Mortgage Payments or Savings Strategy I have a 30 yr fixed at 6.125. I could easily make extra monthly payments and additional yearly lump sum payments with end of year bonuses and have the house paid off in 6-10 years. I’m almost 50 so it there isn’t a huge amount of time to save. I have a good retirement account as well as some other conservative investments (guaranteed to drop no…

Father-in-law died unexpectedly, mother-in-law is in assisted living. What do we do next? Looking for advice: My father-in-law passed away unexpectedly in November. He was the caretaker for my mother-in-law who has Parkinson’s. They live across the country from us, so in the immediate aftermath we focused on getting her into an assisted living situation in her community. Now we’re ready to tackle some of the finances. My mother-in-la…

Look for help to pay off CC Hi between me and my wife we have about 16k in credit card debt due to vet bills. Most of the cards have 27% apr. we haven’t missed any payments and even pay little extra on one but balance don’t seem to be going down much with the high rates and don’t have whole lot extra to pay extra. we are not using them anymore. But we’re weighing out optio…

Adult Disabled Child tax status I can’t find good information about this. I am listed as I noted under disability as an adult disabled child. I live with my mom and stepdad. I know I can claimed as a dependent. I also only recieve the social security deposit which is under 20k I’m not looking at 1099 right now to recall exactly. Am I required to file or am I exempt? No one h…

401k never matched at all when supposed to. Hey guys, I have a question in regards a situation my mom is going through with her employer and was maybe hoping for some feedback and insight on what she is possibly able to do. So my mom is someone who doesn’t really know much of anything when it comes to finances and recently I took a look at her 401k and been managing it since. I noticed t…