Accidental 529 Contribution Perfect time of year to make a mistake but I made an error when changing my payment elections at work. Instead of doing a moderate contribution to my child’s 529 through Vanguard, I mistakenly put about half my check. Stupid? Yes. Careless? Yes. Fixable? Not sure. I called Vanguard to see if I could isolate my withdraw to just my basis. The rep…

Should I reduce my 401k contribution or sell RSUs (as they vest) to cover monthly expenses? Hello folks. My take home is not covering my monthly expenses. Partly because I’m deducting quite a bit for my 401k. My other source of non-paycheck income is through RSUs issued by my company. I would like now to increase the take home money available to cover my expenses. Should I: Decrease my 401k contribution so that there is more take home…

Inheritance and I have so many questions I recently learned I’ll be receiving an inheritance from a second-degree relative. While I’m incredibly grateful, it’s a sum that feels overwhelming to manage. It’s more money than I’ve ever had at once, but not enough to retire on or live worry-free. Here’s a little about me: I’m a 59+ year-old woman who has faced many financial challenges thro…

IRAs & High Risk at 74 My dad is 74 and has about $130k in his IRA (6.7% 5y return) and a high risk $53k (14% 5y return) The high growth one has tech stocks mostly and focused dividends evenly split. His advisor is suggesting we shift the $53k to Blackrock ETF moving forward. Is that a good move? Any suggestions on what he should do will be greatly appreciated. Thank…

30s, going through a divorce and I’m in a bad spot. What are my next steps? My wife and I will be parting ways. We’re just not meant for each other and that’s okay, the split is amicable and there is no prenup. However, I am in idiot and have nothing. The house is in her name. I sold my car to help with the house so the one car we do have is hers. I have virtually nothing. Before people attack me for getting robbed, th…

What should I do with this inheritance???? Hey everyone, basically my situation is this- I make 120k per year about 7k after taxes per month. I’m 24 YO working in the govt industry as an analyst. I am inheriting 300k in about 2 months. I live at home still and have no rent or mortgage. I have a 35k car loan, no CC debt. Minor student loan. I plan on using some of the 300 to pay off my ca…

Anyone live in their cars until they got on their feet? At first i was freaking out about being homeless but now im feeling better after 2 months of living in my car. I was looking at prices and i really don’t wanna spend the money on a place. I wanna pay down my debt and save 10k then maybe get a place but idk the more i live in my car the more comfortable im getting in just living in my car. i do m…

403b from employer, am I supposed to be selected investments? I’m 25 with a 403b from my employer through Fidelity. I’ve heard that I need to be investing as high risk for my age. Is that just for 401ks? Is this something I am able to do with my 403b from work? What would it look like? submitted by /u/slut4spotify

I’m an idiot and zelle’d $5000 to the wrong person First of all, I recognize how incredible careless and stupid I was in doing this… no excuses. Yesterday, in error I sent $5k to the wrong contact in my Chase app using Zelle. The contact is someone in town who owns a shop that I’ve made purchases from before. I immediately reached out to them on the phone and explained the error. They seemed u…

20 years old with new access to TSP (401k) What should I invest in? I have been putting 10% into Roth and 10% into the regular of my checks. Should I put more into one? What should I invest in? submitted by /u/Randomnickm

Should I rollover my 401Ks? Hello all, I (34m) have a few different 401Ks from previous jobs and trying to figure out what I could/should be doing, more so from a rollover standpoint. Basically – I have 3 ‘old 401Ks’ and trying to see if rolling over makes sense for me. Below are my 401Ks and their values/fees. Also any other feedback/considerations I’m also welcome to hea…

Is this an appropriate use of a HELOC? Hello! We are quickly outgrowing our house and could use more space – as well as an additional bathroom due to health conditions of a family member. We bought during Covid so have a great interest rate and it’s super affordable for our incomes. We’ve done a lot to the house over the last few years all in cash. We are thinking of using a HELOC (7…

What can people do to boost their finances if they get laid off? I make a decent amount of money. In theory if I had np debts id be able to put away a couple grand a month into additional retirement funds and emergency savings. But a couple ago I kinda got screwed over by family members and and ended up racking up so much debt. It’s taken a couple if years to get to the point where I’m not in the red anymore…

My Bank is discontinuing my old routing number, what things should I check? My bank got bought out by another bank years ago. The old routing number has worked this entire time, but now they’re discontinuing it. Obviously all my old checks are useless and I’ve destroyed them, but now I’m worried about what else I need to fix. Do I need to worry about bills that automatically come out of my checking account? What about c…

Google Offers To Loosen Search Engine Deals In Antitrust Response via @sejournal, @MattGSouthern Google proposes relaxing search distribution agreements after court loss, rejecting DOJ’s demands to sell Chrome and Android. The post Google Offers To Loosen Search Engine Deals In Antitrust Response appeared first on Search Engine Journal.

Yoast Co-Founder Calls For WordPress Leadership Change – Mullenweg Resists via @sejournal, @martinibuster Joost de Valk calls for a change in WordPress governance structure. Mullenweg says it’s not possible with WordPress. The post Yoast Co-Founder Calls For WordPress Leadership Change – Mullenweg Resists appeared first on Search Engine Journal.

How to buy Mom a used car without her boyfriend taking it from her? Mom (F72) is asking me (F45) to help her buy a used car from a private seller. Mom has limited income and she is asking me for $3000. Mom lives in California and I live abroad. Mom has a boyfriend who takes anything of value from her. For example, the last car she had he took the title for it and wouldn’t give it back and often took the car with…

Working for 3 more years to get credits. MY QUESTION is: I am an artist that provides services not items although once in a while I make a portrait and the person buys it. Mostly I have taught -giving a workshop here or there and it’s been casual. People pay me what they want. It’s about $8,000 a year. It’s not steady. One month I might get $400 and the following $25. SS said I need t…

27yo, 62.4k net income, what do I do? I have 0 debt, about 4k in savings, and I’m starting to wonder where do I start on other things. I own my car, I had a house but sold it due a move and ended up breaking even. So now renting and trying to figure out what I should do with my money. I’ve spent the last couple years sort of traveling and doing other things so I don’t regret not sa…

Equifax settlement additional pro rata payment Just wondering who has not gotten their additional payment that was part of the December 16th crowd? I saw a lot of you got yours yesterday. I’m still waiting, even checked spam and nothing. submitted by /u/Mood-Quirky