Did you guys ever get medical debt while in college? Hey guys, As a college student (23) what would be options (heaven forbid) I got medical debt? I know if you have proof that you’re low-income / are enrolled in university (things of that sort) ”potentially” you can get charity care or a price adjustment on a hospital bill? Is medical debt really that bad? I thought it doesn’t impact your credit …

Cant work much longer I am a 32M. I have been doing manual labor since I was 18 and can’t do it much longer. I can maybe muster another 2-3 yrs. Both hips, plus my back just hurt. I have done a side hustle for 9 years. I have paid my house off and have 200k in investments. My wife takes home 50k a yr. I take in 80k a yr. We only spend 65k a yr. We have 2 kids as wel…

Fraud call “Citibank” branch So, today my wife got a call from a phone number of a Citi bank branch in San Francisco. I called the number myself, and searched it up, and it was the same number. They had the first 4 and last 4 numbers of my wife’s CC. They also knew she had just spent money at Target. How is that possible? They were asking for her mother’s maiden name, last …

What is the best way to tackle my debt next year? Hello! Looking for input and advice on the best way to tackle my credit card and personal loan debt. I have a goal to have it paid off by the end of 2025. The specifics of the accounts are • Affirm – $ 344.58 | 24.76% APR | $50/mo min (12 month term) • Personal Loan – $1,092.65 | 13.2% APR | $42/mo min (60 month term) • Citi Card – $2,745.91 | …

Custodial Account Taxes I am the custodian of my brother’s custodial account (we have a big age gap). My parents aren’t very savvy on investment planning so I became the custodian. I am just putting everything in VOO for him, until he reaches a certain age. My understanding is that for the dividends of that account, that would mean I would be liable for paying taxes on…

is my client trying to scam me ?? please help ! I (23 F) work in fitness, I love my job, I love my clients, and I often build close and interpersonal relationships with my clients. I am use to working with people who have a lot of money, I don’t typically think twice about it. this post is pertaining to one of my clients, we’ll call her Karen (42 F). I have known Karen for maybe about six mon…

BoA Lost $5700 and Isn’t Doing Anything About It So I do not bank with BoA but I wrote a check to a contractor for work done at my home. He deposited the check and my bank debited my account for the amount. All good. The BoA decided for at least three shifting reasons to charge back the check. They removed it from the contractor’s account, said they did a chargeback but the money never made it…

I just turned 20 years old. I make 3500 a month with 2 jobs. I do not attend college Income: 2400 a month from one job 800 from second job 300 roughly a month in tips Total: 3500 Expenses: I live in a trailer so rent is only 500 Utilities: 100 Phone + WiFi: 85 Car Insurance: 150 Gas: 200 Groceries: 150 Total: 1,185 I live with my girlfriend so these expenses are my portion of what I pay. How should I decide to manage my money…

How much home can we afford? KANSAS Me and fiancé make a combined income of 140,000. Combined 35K in the bank. Current debts: student loans and car totaling 1400. Pre approval for a 6.375 interest rate (~780 to 800 credit scores, we will be co signing.) Currently own a home and should net about 45K after closing from selling (it doesn’t rent high enough to keep it.) we would like …

Should I try to max out my Roth IRA for 2024? Overview: 22 years old, graduating Spring 2025 with job lined up after graduation. $10k in my checking, $7k left in a college fund, access to $5k in subsidized loans, ~$15k in my Roth IRA (I started it when I was 18 and haven’t touched it the past two years due to college). I owe roughly $4,000 for my Spring semester, and expect about $4500 for …

Are there any tools that I can use to compare different grocery prices, week to week? Is there anywhere I can look to compare prices for groceries? Or am I stuck driving and circling around to all the stores near me to find the best prices? Frankly, I don’t even know how grocery store pricing works. Do prices fluctuate week to week? Month or month? Day to day? submitted by /u/Shades_of_red_

Employer offered additional 2.5% raise in lieu of 2.5% contribution to retirement account. I’m having trouble mathing this out for some reason so maybe someone smarter can help me. My job is in the middle of CBA negotiations right now. Currently they contribute 2.5% of our base salary to a 457b account. They are offering us a raise of 3% and the option of 5.5% if we give up that 2.5%. Obviously as my salary increases that 2.5% contrib…

Feel like I’m missing something (HSA) Probably a really dumb question, but I have never dealt with this personally. Finally got health insurance, and got an HDHP, and looking for where to open up the HSA account. Local Credit Union I bank with offers .5% Dividend rate, and Fidelity offers 4.3%. This seems high, like too good to be true levels of high, and I’m confused on why its so …

best quick easy source for a HELOC? I’m taking a HELOC loan to spend under 10 grand on some credit card debt that had a bad interest rate. The only credit union near my town is the kind of place that will definitely be a Red Baron pizza in a couple of weeks and the last credit union was already shut down for not being a real bank and just being a drug front so I can’t go local. I …

Should I take a depressingly small apartment to save money while in grad school? Ex SWE at Big Tech living in NYC with 160k in savings. The lease is up in a couple of weeks. Long story short, I started grad school a few months ago and would have to stay in there for the next 1.5 – 2.5 years with little opportunities to make some money in between. I make 40k from the stipend. My current apartment is 3k spacious 1 bd. I found …

Which credit card has the best benefits? For background, I currently have a USAA card with low fees but also low benefits via points. I’m not worried about the upfront fee or the interest rate, as I will pay it off every month (more interested in the benefits). I currently spend mostly on groceries and restaurants, but would like to fly/travel more in the future. Most people I know hav…

What do when you max out TFSA and RRSP? What do people do when they have maxed out their TFSA and RRSP contributions ? It’s a good problem to have but not exactly excited to pay 30% tax on investment returns. Anything else we can do? We did buy an investment property but can’t think of anything else. submitted by /u/Ratlyflash

Found out my wife is pregnant, looking for next steps Hi all, my wife and I found out she is pregnant a couple of weeks ago! We’re very excited, the baby is due at the end of July. I’m 25 and my wife is 29, we just paid off our student loans last month, have about $40,000 in savings, $212,000 left on a $240,000 mortgage, and make about $130,000 yearly together. Neither my wife or I have employer sp…

Question About Totaled Car Hi all. I live in NJ. A car went through a red light and left turned into me last night. I have it all on dash cam and the officer said this is cut and dry the other persons fault. The repair shop my car is at right now said it’s probably totaled. Would I get what my car would be worth if I sold it? Or the amount I would get if I purchased it f…

Best way to track frequent income in small amounts? I’m doing a side gig as a contractor doing laundry wash & fold & delivery. My friends mom has her own business, but it’s kind of like Uber where there’s a bigger company that runs the platform. She has me taking over her clients that are in my town since she’s usually all over the county and stretched pretty thin. She pays me by the bag, so once…