Going from 1099 to W2 Hello! I am currently an independent contractor and receive a 1099 at the end of the year. I am going to be switched to a W2 starting next year. I am in Florida, so no state tax. At the end of the year, would I end up paying more in to taxes since I don’t get deductions? I’m around the 22% tax bracket. submitted by /u/Mindless-Salary-964…

Is there a way to merge multiple HSAs? I’ve been with the same company for 10 years, but it’s merged three times and every time I get a new HSA card with a different company, so I’ve got three different ones. Is there a safe way to merge them together? And/or is there an investment guide somewhere? If I’ve got 5-6k sitting around, might be nice to have it working. submitted by …

What’s the best method for understanding finance from scratch? I’m a new into the world of finance and have zero knowledge about how anything works in here. What do you think is the best way for me to start learning about it? Shall I read books? Ask the professionals? If yes can you suggest me any books or someone with experience who’d be willing to help? submitted by /u/Duck-qwack_4624

How much “play money” do you set aside per month? Have all my expenses budgeted including savings, investments, etc. Doing better lately but how much do you realistically set aside personally to allow yourself to spend outside of expenses and savings. Eating out, seeing a movie, dates, just items such as clothes, sneakers, candles, all things of the sort like how do you factor this in? subm…

How poor of a financial choice was quitting my job? I quit my job of 9 years. I was making 68k, a good health plan, and a 4% 401k match. It was very hard on my health and body, and I have wanted to quit for years. I feel stupid for quitting with nothing ekse lined up or even any idea of what I’m going to do. My current living expenses total about 2500 a month. I have 120k liquid savings and about…

Owe 7k on a loan at 18. Okay so in the summer I bought a car from some sketchy dealership for about 8k. And the car has had loads of problems since then so me and my parents were deciding to try to sell it before more things break. The turbo blew and catalytic converter went bad. Well anyways, my car ran out of oil when I was driving it and the engine completely seized…

Dad gambled away my collage fund. Do i have any recourse? Hello Reddit. I found out over Christmas that my father has spent all but $12 from a 529 that was setup for me to attend college and am absolutely devastated. My mother is at a loss for words and hasn’t been able to speak with me yet. Every time we see each other she starts crying and has to go to another room. My father and mother split up a …

Google Says Temporal Anomalies Affect Googlebot Crawl via @sejournal, @martinibuster Google’s John Mueller says temporal anomalies can affect Googlebot crawl The post Google Says Temporal Anomalies Affect Googlebot Crawl appeared first on Search Engine Journal.

Have to escape DV household, can’t figure out how to save So currently I have $200 hidden in my savings from my partner. I asked my work if I can pick up extra shifts. Right now I make about $2600 after taxes working full time monthly. My goal is to make at least $3000 to escape this situation and head across the country. I need help. I don’t have a lot of financial wisdom and I can’t figure out expens…

Do I even need to use the debt snowball method at this point? Alright, so basically I paid off a majority of my student loans and my auto loan today. Now have under 10k left to pay in student loans with rates of 3.48% or less. Yippee! I also have the extra funds to just pay off the remaining loans today. I’m feeling very conflicted on whether to do so. For reference, I have a $12k EF sitting in a HYSA that…

Burned out from working two jobs. I want to stop budgeting and take a break from my second job, but not if it means deflating my lifestyle. I have been working 45 hours a week at my main job earning $19/hr and 20ish hours at my second job earning $12/hr. Jobs paying more than $40k are rare in my low COL area, there are only two employers that hire for my field which both pay the same, and I am a low performer. I’m doing my best but this is my current reality and until that changes I…

Im 27 and I feel like my financial situation is about to ruin my life Hello all, it troubles me to write this as I have gotten myself into this situation But I am trying to figure out my best options to get out of it. I’m hoping that you guys will be able to help me with some advice to move forward and better the situation I have found myself in about 105k worth of debt because of a gambling addiction and poor spe…

Google’s December 2024 Updates: Final Results via @sejournal, @martinibuster The verdict is in on Google’s December 2024 updates. SEO and publisher responses share common themes. The post Google’s December 2024 Updates: Final Results appeared first on Search Engine Journal.

Mid 20’s personal finance sanity check! Hello everyone! I wanted to see how other people in their 20’s were doing financially, to gauge where I personally stand on finances in my early career – and I know others would want the same! I do the best I can for myself but I feel like I’m operating in the dark. So for those in their 20’s/ early career (or other ages too 🤷‍♀️) how are we all…

Roth Vs Traditional Math I have always had the idea that Roth contributions are obviously better for me since I am only 24 years old and am not in the highest tax bracket. I also plan to be in a high tax bracket when I am withdrawing money from my various accounts far down the line. I thought this until today when I looked at the long capital gains tax rates and dividen…

Sell my condo and rent, or wait it out at least another year? Hi All! I bought a 2BR condo in SoCal at the end of 2022. Right after this, my industry went on strike so I had been mostly living off of savings since then, with small amounts of work interspersed. I’m 35, single. Here’s my financial situation: – Condo bought for $505K, would likely sell quite easily for about $630-$650K today. I put $100K/20% …

Enterprise Car Accident Today I rented a car in Alexandria, LA from enterprise. My step mom rented the car and added me as a secondary driver. We purchased the additional insurance. My step mom went out of town, leaving me the rental to drive and return the following day. I was driving and a 16 year old was behind me in a truck using his cell phone. He became distract…

Boss can’t pay me on time She said they don’t have the money right now to pay me todays check and I’m freaking out because it’s supposed to cover my rent on the 1st as well as my student loan ($1280 total). Expenses are high where I live so my checks barely cover my expenses and so I only have $117 “leftover” in my bank account right now. Paycheck was supposed to be $135…

My uncle hasn’t filed in 10 yrs… My uncle is self employed and has been for about a decade. He used to own a business but now does sole proprieter. He dabbles into storage unit buying, yard sales, estate sales, barn sales, swap meets, and free piles. Well the last 5 years it has really done him good financial wise. He was making 120-240k annually, but with hardly any paper trai…

Can someone explain 529 to Roth IRA conversion? My 529 plan allows funds for the beneficiary to be rolled over into a Roth IRA. Question: does this mean that if my kid gets enough funds for college that they don’t need it all, I can fund their retirement? Isn’t that strange for a 21-24 year old to have a retirement fund? Am I misunderstanding what a Roth IRA is? Here are some details; “The R…