Long term living situation for a single person. I’m 31 years old single, no kids, not currently dating. Have no idea if I will ever get married to be honest. I make $38/hr base with some OT. Last year I made $87k total gross. I’ve been living in an apartment for a long time and I would like to move on to owning something but the numbers don’t seem to be adding up. I currently pay $1275 for …

Unemployed & in bad debt Hi I need advice on my situation.. I am a 29 yo female with a Masters degree in Organizational Leadership/ Management. The job market sucks right now so im currently substituting full time. I have 8k in savings, 9kcredit card debt, 123k in student loans and a 27k car that im currently paying monthly. Fortunately, I moved back in with family to c…

How to help friend after husbands death? My friend is an older lady past retirement age. Her husband died two weeks ago and she’s trying to figure out how to access/ what to do. I have no experience with this so unsure how to help her. Any suggestions? Thank you in advance. submitted by /u/IslandofKimchi

I’m 27 and I have 20k in credit card debt. Hey everyone need some help, just graduated from university but while was in school got into some debt from using credit cards. have about 20k in debt in credit cards. My current job I make about 40k a year. What would you recommend so could get out of this debt whole and actually start saving for retirement. submitted by /u/Euphoric_Come…

Wisdom Teeth Impacted and Need Insurance to Extract? Hi everyone, I’m a 27 y/o in California. My wisdom teeth are impacted and although they’re not causing me any pain, my dentist recommends that I should get them extracted soon. I’m not under any health/dental insurance plans at the moment. It’s embarrassing to say but I know next to nothing about what insurance to pursue for this situation. An…

Trying to get out of debt while in college and plan for the future, looking for advice I am currently a 25f graduating from nursing school in 8 months. I wasn’t the best with my finances in the past few years and have about 18k in credit card debts alongside about 30k in student loans and car payment of about 700 a month. I work part time as a manager for a shipping company and work as much as I can but the time obligation with nu…

Where to Divert My Income In 2023 I (27m) graduated law school with roughly 160k in total federal student loan debt with interest rates ranging from 4 to 7%. I have not had to pay anything on it for the last year with no interest accruing. Starting next year I will be making $150k a year with a decent yearly bonus. I expect my income to continue growing by at least $20k …

My (20) grandfather gifted me 20k. Advice? I am a 2nd year college student/athlete on scholarship, so I don’t have tuition expenses. What should I do? Thanks for any help… submitted by /u/cobrakai17

Am I burning a bridge?! Help. Do I stay with my current employer or negotiate with my new employer? Hi, I’ve recently accepted a new job, but I don’t start until Feb 2025. I gave my current employer a “heads up” but haven’t given a formal 2 week notice yet. I planned on going to the new job because it seems like an exciting opportunity and would involve less travel. I’…

Not sure about this variable life insurance policy thing A friend of mine sold us some insurance earlier this year and I’m finally getting down to reading the paperwork but so much of it is gibberish, even after using Google. Basically, we took out a Variable Universal Life Insurance policy for each of our teenagers thinking if the worst happened their future families would have $100k payout for only …

Seeking Investment Advice as a 17-Year-Old Joining the Australian Defence Force Hello everyone, I’m a 17-year-old male who just graduated Year 12 and am about to join the Australian Defence Force as trade role. My job will keep me away from family for the next 2.5–3 years, as I’ll mostly be living on base. My dad is moving away from Brisbane, so living on base makes the most sense for now until I eventually find a place for…

What to do with a deceased family members IRA. A family member passed away a few years ago and their IRA is now under the control of another family member. This family member wants to make sure all of us i.e. the nieces and nephews can benefit from it say if we need things like a down payment for a house etc. But we are not sure what we can do with that money to take any tax burden off of th…

What are the drawbacks of “separate account” index funds in a Principal 401(k)? Currently, I’m using the default/suggested TDF assigned when I set up my 401(k): “Principal LifeTime Hybrid 2055 CIT,” with an expense ratio of 0.29%. I can change my investment options into low(er) cost index funds, which I’m familiar with. But they all have “sepeate account” following their description: Principal LargeCap S&P 500 Index Separa…

Chase credit card auto pay I just enabled auto pay for the first time. Due date is today ( Christmas) . It didn’t process yet. Will it trigger tomorrow? Will this be considered as late pay? As per my research, most banks don’t consider this as late pay. But wanted to confirm if anyone has experience with Chase to confirm if it is applicable as well. Auto pay is setup wi…

How much cash should I be holding? My savings/checking balance reached 90k and I’m thinking this is probably too cash-heavy. My only hold up to investing part of this are the unknowns in my life: If my job returns to office I won’t be able to get by on my partners car alone and will have to buy another. My job is also sort of volatile and a layoff somewhere in 2025 or 2026 would…

Student loan payoff vs Roth IRA contribution I keep going back and forth over what to do here and could use some advice. I have $4,200 in student loans at a 3.15% rate. I got a bonus and am trying to decide if I should pay off this balance, or open a Roth IRA and contribute the $7k max for 2024. I am 31 years old and don’t have a Roth IRA yet. I do have a Roth 401k and currently contribute…

Best app for compiling all your finances? I have an app/website from my former financial advisors i fired that works awesome (living balance sheet) But i don’t want them to have access to my information since we parted ways What do most people use? submitted by /u/Darlhim89

Can I temporarily pay my Mother’s bills while she is being cared for in a nursing home? She is currently recovering from bacterial infection in the blood and is being cared for in a specialized nursing facility under pretty intensive IV schedule and physical therapy. Weak and tired all the time. However, the bills don’t stop coming in. She still writes and mails checks. Is it as simple as me as her son just doing and signing her ch…

First Time Homebuyer Loan Hello, I’m a first time homebuyer and was approached by a credit union through an agent that is offering me a 0% down and 0 PMI loan. I’m assuming they hide the PMI in a higher interest rate, I believe she said this program is currently running at a 6.75% interest rate. I’m wondering if this is a bad idea? I don’t want to be screwed if I need t…

What should I do with 20.000 in savings ? Hello and merry Christmas, I have 24k saved up and another 9500 invested, what would be the wisest thing to do in order for them to grow? Should I just make an emergency fund of 4-5k and put the rest on vuaa as I am currently doing, or keep on investing the 500 euros i do anyways every month no matter how much I make? In case i want to start a b…