401k Holdings at 25y/o I’m 25y/o and just started with a company with a 50% match up to 10%. I’m currently contributing 12%. I’ve rolled over about $20,000 from a previous 401K and am now looking at what I should invest in. My gross pay is around %100,000/yr. I’m considering this: VIIIX-40% TARGET FUND-40% VTSNX-20% I’m also maxing out a Roth IRA. I am looking for som…

What to do with $43k UBS account my Uncle gifted me 9 years ago? I’ve (28M) been taking a hold of my personal finances and investments the past 2 months with the help of this subreddit and have now shifted my focus to a UBS resource management account my Uncle funded 9 years ago in my name. Initial deposit was $10k and I’ve let this account just sit aside from a $15,000 withdraw about 1.5 years ago to pay for…

I am financially illiterate and need to know what kind of account to open Hello. I came into money and it is not never work money but it is a substantial amount. I have so many relatives that I know will come asking for handouts and I know my parents will try to guilt me into it because we had so many financial difficulties when I was growing up with them helping all the people who were blatantly using them for money …

30 and drowning. $300 did drastic damage. How do I get out of this? I’m 30 years old. Due to a string of bad financial decisions, lack of budgeting, and depression after my dad passed away and going through two breakups, I have basically no money. I lived in LA, but this month I moved in with some cousins who are well off further south to not worry about rent. The industry I was a part of crumbled and I’ve bee…

Need help calculating Net Income attributable Hello all, As being a dumbass, I contributed to ROTH IRA for 2024 and now realizing we are not eligible at all. I need to calculate NIA for ROTH IRA recharacterization. My opening of ROTH IRA was $10476.12 as of 2 JUN 2024. Made two contribution ($5000 on 4JUN2024 and $2000 in 15SEP2024). My balance as of now $18500. Just little confused on Line…

Sell house, sell dad’s share of house, or buy out aunt’s share of house? CA state Quick briefing about situation: My dad lives in CA, in a desirable to live in area with not a lot of inventory, so a small house can fetch $1mil. My mom passed away late last year and she and my aunt jointly owned the house that my parents lived in together. Title/deed is in both of their names as unmarried women. House is completely paid off….

77F Being Patient, Spent Savings Looking for advice: My (77 yrs) mother retired late 2023. In early 2024 she employed a (QLD) financial planner to manage setting up her pension with Centrelink. She believes that there was a lot of generic messaging from Centrelink saying that they are understaffed, urgent cases are being looked at first, etc, etc – and so she didn’t follow up w…

PTO deducted bonus percentage.. Not sure where to post this but… My manager announced I will be getting 90% of my bonus due to the amount of PTO I took. Later I talked to others and every person who talked in a 50+ person group chat said they got 100%+ and took PTO. I asked my manager about this and said he spoke to many leaders and many associates got the same percentage as…

If you want to consolidate your credit card, avoid Credit Associates. For 2yrs, Credit Associates, made over $12,000 from me. After telling me to stop making my credit cards payments, because they wanted me to starved them. I followed their advice and every 2 weeks they take $267 from my bank account. In between, they would call and say they need more more money because my account was low. A year after I joined wi…

Inherited $30k. Have no idea what to do with it or where to start. Like the title says, I inherited $30k. I don’t know if I should save, or invest, or both? I’m not sure the best way to save or invest, or where to go to do it. I also can’t seem to find a financial advisor who advises with this “low” amount. I do already have a 401k set up through my job that I contribute to. Anyone have tips, advice, or experi…

Large Lightstream Loan – Approval Likelihood? Anyone have any experience getting large loans from Lightstream? Their max appears to be $100k and I’m looking for $85-95k. Curious about my likelihood of getting approved before I submit an application and submit myself to a hard credit pull. Context: I am looking to buy – and live on – a boat for the next few years. This would essentially be a…

How much should I pay attention to retired parent’s spending? My retired mom (71) has always been reasonable with her money spend, but in the year since my dad passed away she has been on 4 big trips to Europe, bought a new car, and just generally has spent a lot more money than she normally does. I’m all for her spending what she’s earned, but I’m worried about the rate at which she’s been burning through…

Employer switched from Simple IRA to 401k. What to do with IRA account? Been with my company for over 5 years. When I started, the only retirement plan they offered was a Simple IRA, which I used. About 3 years in, the company switched over to 401k which I’m actively contributing to. The IRA account is no longer being contributed to and I honestly forgot I had it. I can still login to the account though. There’s not…

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How much would you save for retirement if you are anticipating a pension? I (29F) and my husband (30M) are both public servants. We pay into our state retirement system and get a hefty employer match, and we both expect to draw a defined benefit pension at age 65 that is about $4,000/month each (in today’s dollars). We will also be collecting social security, provided it still exists by then. Our gross household incom…

Help me find clarity: Control vs. Transparency My spouse and I got married 10 years ago. 3 months into being engaged I got a new job making 30k a year and he told me to deposit all my checks into his account because I’m bad with money. I will admit, I know I am so i didn’t put up a fight. Fast forward, after a year or 2 of working at the job, he said I wasn’t making enough and need to contr…

Pay off the house or Invest? I now only have my mortgage which is a 30 year loan but my interest is only 4.99 apr I know 30 year loans are interest heavy in the beginning, so should I pay it down halfway and then invest or keep paying as usual? We can stay here as long as we need to, if we move we plan to pay in full of get a minimal amout financed from saving. Given the …

Help with HSA (health equity) Hi everyone, so I have my HSA through work and I’m maxing it out but my company uses health equity. My question is I finally hit the 1000 mark and can invest, do I invest it now through health equity or should I keep accumulating til I max my yearly contribution and transfer it into a fidelity HSA account? submitted by /u/AccomplishedPie…

Is it common for apartments to increase the rent during lease renewals? Hello, so this is my first year leasing ever and today the front office gave me the option to sign a renewal for 2025-2026. I noticed that the rent went up for 100 dlls per month. Is this normal in lease renewals? Edit: I am a student and live with 3 other roomates if that matters. This year they are charging me 700$/month but for 2025-2026 it w…

Best method to return/pay back person you owe $$ to? Recently pleasant work bonus leaves me with enough money to pay an older sibling back from whom I borrowed ~23k over the last ~5 years (I was in college and needed financial support, he effectively gave me an interest free loan payable when I felt I could return money without it being a burden on me — I know, I’m fortunate AF) I am now in the p…