$50 Visa gift card just bought an over $300 purchase I got my daughter a Visa gift card for Christmas. I know for a fact that it was only loaded with $50. She went to use it today at Best Buy and it paid for the entire $300+ purchase. It is not the reloadable kind and has a max of $500. What do we do? Can they tap my original purchase (debit) card for this overage? Edit: When checking the balan…

Looking for advice on holding iBonds? I am holding some iBonds with treasury direct.com. I sold some equities this past year and made about 50k in capital gains. My tax liability therefore is about 10k on that. I was wondering if I should cash out my bonds to pay my taxes or if it’s worth holding them? I have 10k holding at 3.21% and 10k holding at 3.87% this seems like a low percen…

Should I stop/reduce retirement savings while preparing for down payment? Me and my spouse are both first time homebuyers in our late 20s expecting to purchase a SFH during next summer. We are currently on track to save around a 20% down payment while continuing to max our Roth IRAs and contribute a little to our employer retirement plans for this year and the next year. With mortgage rates currently being near 7%, I …

Need guidance on where to begin saving/investing. Renting in VHCOL. I’m a sahm to 2 kids, one on the way. We started having kids young. We’re 29 now and very aware that we need to save/invest but really unsure where to begin. Husband is making ~135k a year not including bonuses. We’re finally starting to feel good about our finances and need to make the next step to really get in control of ou…

Talk me out of using a Personal Loan to get out from under my RV Made a big mistake buying an RV in early ’24. Won’t be happening again, feel free to poke fun as needed lol. Talk me out of taking out a personal loan to pay the difference between what a dealer would give me for it and what I owe. Breakdown is below. Owed on RV – $40,768.98 Term left on RV: 15.5 years RV Rate: 9.49% Monthly Payment: $429 Monthl…

Savings options for special needs child Hi there! Personal finance novice here. I have a 3 year old daughter who was born with a few brain conditions that cause developmental delays. We don’t know yet whether she’ll go on to live a normal life or if we’ll be forever parents. That being said, a regular college fund doesn’t seem fitting for her because she may not go to college. I want …

Should I do 401k or loan? I am in need of help asap because all of the tax jargon is really confusing to me, and I am in need of the money soon. Im in need of 10k before late February for my parents on something personal, and that’s my deadline. I dont know whether to pull 10k from my 401k which I only have 17k in so far (due to me now knowing how to make them invest the…

Will I be stuck with my parents debt? My parents have no money saved. Their plan is to keep taking out reverse mortgages or loans on the house to finance their retirement. BUT they also put the house into a trust so I would immediately receive ownership if they pass away….I’m worried this means I would inherit all their debt if theres no equity left in the house. Can anyone help / h…

Should we pay off our auto loan early? My husband and I took out an auto loan yesterday for $38k (after $5k downpayment)at 7.24%/ 60months which came to $700 p/mnth. We just started building our credit profile so we have a co-buyer thus the APR we got. Our combined income is $108k/per year before taxes. We do not have any other debts. Our goal is to buy a house in 2027-2028. Should …

I’m In my grandmothers Will for property, but don’t know the caveats that come with, I’m a current sophmore in college, and my grandmother on my moms side has told me that I will be in her will for the house she is currently in (as well as property-2 acres). Are there any concerns that need to be handled like taxes when the property is transferred, or anything else thatll help me in the long run when obtaining the property. Its …

Continue to bump up E Fund or try to max out Roth I’m 33M married with two young kids. I have about 3.5 months worth of an emergency fund in my HYSA and am at $1500 for contributions to my Roth this year. Should I be switching focus to trying to max out my Roth by April? I know the flow chart says to have 6 months first, but wasn’t sure if I’d be missing out by not maxing it out. submitted …

27 yo with 47k in cash Hey! I’m 27 and trying to get some advice on how I can help set myself up for the future. I think I may have too much cash on hand and need to invest some. But I’m hesitant because in a year or two I’d like to buys a house, so I want to have the cash available for that goal. My ultimate goal is financial independence, I only make 70k a year so I…

32 yr old Nurse Practitioner thinking about investing in real estate with parents before they retire. Hey everyone, I’m a new Nurse Practitioner and I’ve found a job paying $120k a year. I live in a run down, paid for home that I bought 10 years ago and have no debt. No partner or kids. No car payment. No health insurance payment. No student loan debt. I’ve spent my 20’s traveling, continuing education, and working side gigs and did 4 years in t…

Matt Mullenweg: What Drama Can I Create In 2025? via @sejournal, @martinibuster Mullenweg’s Reddit discussion about 2025 WordPress drama inspires nearly 600 responses The post Matt Mullenweg: What Drama Can I Create In 2025? appeared first on Search Engine Journal.

What happens if I have both pre tax and post tax contributions in a 401(k)? My organization is changing its sponsored retirement plan from a 403b to a 401k with a new brokerage. I have set up the new account to contribute up to the match with post tax, so roth. My current 403b has pre tax contributions and I am wondering what happens when I rollover the 403b to the 401k. I guess I’m wondering when it comes time to withd…

Rebilling lasik to be after HSA establishment date? Hi all, I’m getting LASIK next week and am trying to make sure I have all my ducks in a row first. When I started my job, I fucked up and forgot to sign up for insurance. Instead I had to sign up through marketplace for a high-deductible plan (HDHP), and it won’t come into effect until February 1st. Meaning I can’t establish my HSA until then, a…

I hate my job but I’m ok with the bank I have a decent job (associate banker- me) which is gloried teller in the banking retail sector but it’s so miserable. I hate selling stuff that I don’t believe in and they say it isn’t sales. I’m tired of offering things I don’t believe someone gets value in. I’m tired of being stuck in one location. Becoming a banker was what I wanted to be be…

Should I prioritize paying off my car early? I financed $26,239 at 5.49% for a 2023 Toyota Corolla for 72 months, my payment is $429 a month and I have $19,460 left. I’m 23, live in a paid off tiny home and have no other debt, or large expenses. I make $60,000 a year. I’m new to learning about investing and haven’t made any other than just to my 401k so I don’t know whether to prioritize i…

Is investing $30 usd a month into VOO ok? Hi, I’m a 17-year-old student interested in starting my investment journey. I’m considering investing $30 USD per month into VOO. While $30 might not seem like much, it’s all I can afford right now as I’m still in school. Is this a good starting point, and are there any tips or advice you could share to help me make the most of my investments? I…

Investment advice for 22 & 25 year old niece & nephew that just graduated university and are starting to work. Retired boomer here. I am a little behind on the latest recommendations. I am in the process of setting up/funding Fidelity accounts to help my niece & nephew. They recently finished university and are now back living with their parents, here in California. They both recently started working ($60K) and have to wait 90 day before they can start t…