Please give me advice on my car loan🥲 I have a $15,000 car loan with a 36%APR. I don’t want to pay extra unnecessary amounts or should I say I want to try not to. submitted by /u/TheFlamingLeo150

Settlement Decisions I recently was awarded a settlement of over 100k, and as someone on disability since 2013, this is A LOT of money to me. Of course, I realize it is a lot of money for many. However, I also realize that is not a lot of money for some. I want to be the latter and not waste any of these funds I have been received. I am the picture perfect definiti…

I have $80k in cash saved up, another $25k in investments. My car feels like it is going to kick the bucket any minute. Should I just buy a car in cash? Not sure what the protocol is. I’m guessing there’s no benefit to doing a car payment, right? Would be buying used. EDIT: Y’all I appreciate the advice but to be honest I am not looking for advice on whether I should buy a new car. My 09 Altima I have had for 10 years just looks like a POS, and I am ready to have a newer car. I want a new car, d…

How do I start the road to early retirement? So I (24) maxed out my ROTH IRA for the year, I have $10k in savings which I will more then likely end up using about $8k total for a house I’m looking to purchase, no debt, my total money auto expenses are $399 per month, and I make about $47,000 per year. What should my next step be from here? I want to retire early and found that buying a bu…

WordPress Developer Publishes Code To Block Mullenweg’s Web Hosting Clients via @sejournal, @martinibuster WordPress developer releases code that prevents themes & plugins from activating on sites hosted on Matt Mullenweg’s web hosting platform The post WordPress Developer Publishes Code To Block Mullenweg’s Web Hosting Clients appeared first on Search Engine Journal.

All money into retirement accounts? I’ve been maxing out my 401(k) and saving about a Roth IRA-worth into a non-advantaged brokerage account. The argument for me to keep money in a more liquid brokerage account is obviously that I might want a bunch of money to, for example, buy a house one day. However, paying taxes on that brokerage account every year makes me sometimes wonder i…

My self employed friend needs help He is 30 and self employed with $3000 left over from his expenses to invest. He doesn’t have a ROTH IRA or any retirement set aside at all. He puts $500 a month to a HYSA and $500 a month in his money market account to invest in SCHD. Which leaves him with $2000 left over for savings/emergency fund. Should he keep the money market account or sho…

I need a debt payoff plan. Which cards would you payoff first? Hi everyone, I went through a really bad depression and made some really stupid financial decisions. I am trying to get back on track and figure out how to get out of this mess!! I’m currently going thru a program (usda) to get a home and I need to get my DTI down (debt payments need to be about $600 or less per month) My salary is $52k, Rent $1…

26 and optimistically trying to buy grandmothers house Hello, Reddit! I’m at the beginning of my personal finance journey, and I’m actively trying to figure out where to start. I know I’ve made some decisions that could’ve been better for my financial future, but I’m here now and doing my best to get a handle on things. Please be kind as I am honestly trying to figure this out right now. To give yo…

30 yo, saving for house and retirement track I’m 30 yo, single, and wanting to save for a $350-400k house as well as retire by 65. How am I doing? Salary: $75k after taxes Roth IRA balance: $70k Emergency fund savings: $6k Current living: $1750/mo for rent + utilities Health insurance: $300/mo Discretionary spending: $500-700/mo (I’m hoping to spend around $500) I have no debt and would li…

At what point do you work with an advisor/ planner? Me and my wife (early 40s) are coming into a significant amount of money and property. I’ve been on this subreddit and a few other similar ones, and there’s a lot of good advice that I’ve come across. I’ve done most of the investing and have done pretty well. I feel we never needed an advisor/planner but now with the assets we’re expecting, I’m …

Google CEO Describes A 2025 Beyond A Search Box via @sejournal, @martinibuster Google CEO outlines 2025 plan to make AI apps like Gemini the interface for how users search. What does it mean for publishers and SEO? The post Google CEO Describes A 2025 Beyond A Search Box appeared first on Search Engine Journal.

Sell stock to pay off car? So a year and a half ago I started with 15k and have managed to turn that into roughly 60k. Should I sell 20k of it to pay off my car loan? 3 years left at 6.4% submitted by /u/ParticularShoddy1014

Age 64 on ss but made too much in ‘24. Advice please Age 64 collecting ss but made too much ss wages. What do I do to avoid penalty? CPA quit on me two days ago, left me hanging. We had started an S Corp for our (wife, 62, not collecting) consulting wages thinking we could do majority of K1 distros to her, whilst keeping my wages below the max US allowable. Is there such a thing as abandonment i…

Thoughts on a dedicated finance app for couples? Hey everyone! Me and my partner currently struggle to know exactly what each person is spending money on and how much we have to send to bills and different credit cards each month, and we resorted to a huge Google Sheet that has all of our transactions from all of our credit cards, our bills, savings goals, etc. We’ve tried different budgetin…

This year, I made 70k. It doesn’t “feel” like I made 70k. Help? Hi Reddit. I’m a 27 year old living in Dayton. I have what I consider to be a good job that matches my values. I live together with my long-term partner who is currently looking for work. We have an apartment that isn’t luxurious but doesn’t fall apart, a car that breaks down at least every other month, and all our basic needs met but some thing…

Google Gemini Deep Research May Erode Website Earnings via @sejournal, @martinibuster Google’s Gemini Deep Research erodes website earnings by removing the need for consumers to visit review sites. The post Google Gemini Deep Research May Erode Website Earnings appeared first on Search Engine Journal.

How can I stretch my mother’s small retirement savings for the next 20+ years? Mother is 66. Step father passed recently leaving her with 125k in a TIAA Creff retirement account, 27k of Berkshire B in a fidelity account, 25k in a checking account. Still paying on house and car. Total bills ~2.6k Total income ~2.9k (social security) How can I best set her up with the small retirement she was left in order to pad her income…

How to find out if ex-spouse is deceased for Social Security? For the purposes of collecting social security survivor benefits, how does one go about finding out if the ex spouse has ceased? Will the SSA provide that information if asked? My parent has had no contact with ex but should qualify as they were married over 10 years, is over 65, and hasn’t remarried. submitted by /u/jerwong

To pay off car or use for down payment on house? Good afternoon, here’s my question. I’m due to receive roughly 90k in the coming months. We are renters now and planning on moving in June to Denver for work. We just bought a new car with a monthly payment of around $700a month. I have a solid income so money isn’t tight but just curious if that 90k would be best spent completely for a down pay…