should i sell everything for 100% VTI? Obviously made some beginner mistakes in here. I want to adhere more towards the bogleheads philosophy but am scared about capital gains tax eating away at my gains. Should I sell everything and pay capital gains to go 100% VTI or any other suggestions? Individual – TOD • VTI: $12,491.59 (41.03%), + $1,348.68 (12.10%) • FZROX: $5,953.96 (19.56%)…

I need help with managing my personal finances – what should I be doing? Hello, I’m a 26-year-old woman living in NYC. I work at a big law firm as a business professional and earn an $87k annual salary before taxes. My rent is $1,959, and I’m the sole income earner in my family. I take care of my mother, who can’t work due to mobility issues, and my brother, who’s in medical school and covers his expenses with studen…

Insurance check Bounced After My Motorcycle Was Declared a Total Loss I recently got a check from my insurance company to start repairs on my motorcycle. I deposited two weeks ago and today I noticed the amount was gone. It turns out the check bounced because the issuer had “insufficient funds.” Since then, my motorcycle has been declared a total loss (after I received the check). Now I’m stuck because I haven’t b…

Is it worth paying $1000 twice a year as extra payment for my mortgage Hello, Wondering if paying 2 extra payments a year of $1000 towards my mortgage payment will reduce my years of mortgage good enough.Or investing that money towards some index funds is a good idea? submitted by /u/tvvijay75

Employer is demanding 3k for taking maternity leave I just returned from my 3-month FMLA leave. I got a check two times a month for 60% of my salary (a paltry sum). Since returning my employer is saying that my health insurance for myself and my baby was not taken out of the checks I received so now I owe them $3,000. This is an exorbitant amount to me especially considering I owe that much for m…

When people say that you should ideally be saving 20-30% of your income, what exactly does that mean? I’m just confused because the general rule of thumb of “saving 20-30%” of your income isn’t very specific Does the 20-30% savings include 401K and Roth IRA contributions (or even a HYSA), or is it just savings made to a brokerage account? Is it supposed to be 20-30% pre-tax or post-tax income? Gross or net paycheck per month? submitted by …

How to read Vanguard returns? I have investments at Vanguard and contribute every month. On the performance tab, I can see the actual value of my portfolio and the overall return rate. But how can I tell in terms of $ how much I’m making every month or ytd? submitted by /u/Altruistic_Donkey_37

10k down on 40k car? I financed a 40k car(taxes and fees included) with 10k down 1.9% apr. I am paying $460 per month for 72 months. should I have just not put anything down since the interest rate is so low? I have 15k in my high yield savings earning 5% interest. I know most will say I cant afford this car but I am planning to pay it off in under 4 years. Just won…

Parents want to retire in 15 years My parents want to retire in 15 years (50 & 49) but they only have about $50k combined in their investments from their 401Ks. I suggested them to start a Roth IRA. Would it be too late for them to start a Roth IRA to take advantage of the tax-free benefits? If so, is the typical S&P 500 a good investment for the next 15 years? Edit: together t…

$17K in savings + $2300 net income – how should I allocate? THX I want to focus on my personal finance heavily in 2025 and really commit to setting up my future self. I need assistance figuring out the best finance ‘order of operations.’ I want every dollar after bills are paid to be allocated towards paying down debt, retirement, and general savings. Monthly Revenue = $4,329 + commission Monthly Expenses …

Reddit Is Ready For Brands: How To Build Real Connections And Succeed via @sejournal, @brentcsutoras Learn how brands can navigate the challenges of Reddit and tap into its massive user base and engagement. The post Reddit Is Ready For Brands: How To Build Real Connections And Succeed appeared first on Search Engine Journal.

Why are Nordic companies so successful? From IKEA to Novo Nordisk, many of Europe’s top firms come from the region

Paid Media Marketing In 2025: 7 Changes Marketers Should Make via @sejournal, @brookeosmundson Get ready for the future of paid media campaigns. Dive into the game-changing developments this year, from AI advancements to privacy updates. The post Paid Media Marketing In 2025: 7 Changes Marketers Should Make appeared first on Search Engine Journal.

Front load fees 5.75% Just about to change my 403b annuity and roth into a Mutual Fund and roth IRA, going from national life to Fidelity. As I got the contract through I see it mentions a 5.75% front load fee and a 12b-1 0.25% fee. Is this normal? Am I better off doing this myself creating my own Roth IRA and 403b? Thank you submitted by /u/Priceyd1 …

Are you taxed at all on stocks sold for a loss? I sold around $70,000 in stock last year to pay back irs but all were at a loss except maybe 200$ gained on one or two. When doing my stocks this year will I not owe money on the stocks I sold for a loss? submitted by /u/Smooth_Syrup_7032

Lost my job and I’m in a DEEP hole. Any advice on not getting buried? Got laid off in Nov (working as Project Scheduler) and none of the >100 of applications have resulted in a new job. I am thankfully getting a severance (~$12000 net) so the lights won’t turn off immediately but the writing is on the wall. Bought a house last year and took a loan from my 401k for the down payment. I got an ADT security contract t…

Retirement Planning – What to draw from first to maximize retirement/benefits? Pension? Social Security? Roth? Traditional 401K? Going to throw this out there, getting to the age where I’m trying to figure out scenarios, numbers, when I can retire. Current snapshot: 40, single, high cost of living area. Plan is to retire anywhere from 60 to 65 – trying to figure out numbers before I decide age wise. Here’s a list of accounts: Pension – Cash Balance Pension Debating le…

I got a surgery bill that never happend. I was supposed to get a cosmetic procedure on 12/18. However, they found something suspicious while I was undergoing the exams before the surgery. So, now I have to undergo more exams, and due to the holiday season, there’s no slot for a single exam soon. (The surgeon is traveling for a month as well.) Instead of going through all those processe…

7K in debt as an 18 year old. need some help Im an 18 year old college student and I owe maybe $1500 in credit card debt and $5.6k from a car accident that my insurance did not fully cover. I make $1.2k a month and spend $1000 on gas, insurance, help out with bills, etc. The debt collector for the car accident is giving me an option of $4100 settlement or 3 payments of $1.7k, but I am flat…

Received bill for dead moms heart monitor Just received a bill for over $900 for a heart monitor that my moms cardiologist had placed on her 3 months before she passed. 2 months before she passed she went to the hospital, went out to a rehab facility, then back to hospital for surgery which she never recovered from then was placed in hospice. Somewhere along the line, probably during th…