Husband retiring this year We are trying to find a financial advisor – a little late but we’re trying! My husband will retire this year from teaching at 57 and will collect 80% of 120K. In addition to that he has $735,000 in his 403B. We would like to pay off our debt – not including mortgage – but includes parent plus loans around 100K. I work part time and will have min…

contributed to Roth IRA but am over MAGI I thoughtlessly and embarrassingly contributed to my ROTH IRA in Sept last year not accounting for the fact that this is the first time I was earning above the threshold. I was unable to contribute to my ROTH in the previous handful of years so was feeling good about having the income to contribute facepalm. To complicate matters, I have about 3…

Google Faces EU Charges Over Alleged DMA Breaches via @sejournal, @MattGSouthern EU reportedly prepares charges against Google for DMA breaches, alleging its search services receive preferential treatment over rivals. The post Google Faces EU Charges Over Alleged DMA Breaches appeared first on Search Engine Journal.

IRS says I need 1095-A to file but Oscar says I don’t have an account? Hi I tried to file my taxes but it was rejected saying I need the info from my 1095-A, I managed to track down the company (Oscar) but they do not have it and I have had healthcare through my employer so I’m not sure what’s going on, any advice? submitted by /u/Moose_216

Need some advice, climbing out of debt with “okay” income. How can I do better? 30M Life is getting stressful, and I am trying to break old habits. Want to get opinions on how I could manage better, or help speed this process along. I am 30 year old male, married (31 F, 2 years), 3 kids (11,11,4) have a stable job with an income of around $115,000(I carry health insurance through my job) a year with a …

State and Local tax deductions for NY 529 Ive googled and absolutely cant find a definitive answer anywhere….if you live in NYC and open a 529 for your nephew (who lives in another state), I understand I’d get a state tax deduction of up to $10,000 per year filing as a married couple. This is about 6%or $600. My question is: Do I also get a local NYC tax deduction? This is roughly an …

CC Debt Free Today! Next Steps? submitted by /u/rrnah

How To Drive Google Shopping Growth With Only One Of Each Product Investing in Google Shopping with only one of each product can be daunting. This post breaks down how to find success and scale. The post How To Drive Google Shopping Growth With Only One Of Each Product appeared first on Search Engine Journal.

13 Google Ads Settings To Check When Running International PPC Campaigns via @sejournal, @brookeosmundson Don’t let international PPC campaigns overwhelm you. Dive into these Google Ads settings to ensure targeted results and avoid costly mistakes. The post 13 Google Ads Settings To Check When Running International PPC Campaigns appeared first on Search Engine Journal.

Best way to grow house equity before buying another home a year later? My husband and I have been considering selling our house after just three years, because we want to get out of our large mortgage, high interest rate and downsize our lifestyle. We have an opportunity to move into a home built by my father-in-law, where we’ll be paying a small rent but only for a year. After selling, we expect to walk away with …

Please help me understand 401k My 401k thru Empowerment has the options of -before tax contribution -Roth contribution -after tax contribution I’ve been doing after tax. But I honestly don’t know what any of it means. I don’t understand retirement in the slightest. Can someone DUMB it down for me and give me advice? submitted by /u/NoThought6983

Just discovered that I have an IRA that I don’t remember opening – what to do? As the title states, I recently learned that I have a traditional IRA from a job I had many years ago. I have no recollection of even setting it up, which I know is silly but I was a dumb young person who only cared about a paycheck and everything else was in one ear out the other. Anyways, I received a letter in the mail about my account balanc…

Didn’t do taxes last year now I can’t e-file for 2024 I don’t have much experience with doing my taxes since I’m only 21 so don’t judge if this is a stupid question but in 2023 I only worked for one month so I only made 4000 something. I was also going through some personal stuff and didn’t have the motivation to file my taxes. Now I’m trying to file for 2024 and it won’t let me e-file this year b…

I don’t understand what my “Total Basis” is on form 8606 I guess I’m just dumb because I’ve looked up every possible help document and forum post on this, and I still don’t get it. A brief summary of my finances around our retirement account: I have a 457b at work I contributed to a traditional IRA -5000 last year, only 2250 this year. Last year, I put 5000 on form 8606, but I’m starting to think tha…

How soon to pay off car? I’m 24M still living at home, I bought a car last year September which was a CPO 2021 Honda Accord Sport 2.0t to replace my 2000 BMW 3 series. I paid $25.5k for the car, OTD was $29.1k, my rate was 3.99% for 48 months. Currently I have $12.9k left on the loan, $340 monthly payment. Original principal was $15k. My only other debt is my student lo…

I have an unexpected ~$10,000 emergency expense. I can pay it, but I wouldn’t much left in emergency savings. Should I get a credit card? Hi, so I’ve only ever had two credit cards with different reward types. I have had them for 10 years. In all this time, I have never carried the amount on them forward to the next month. I make payments on them, enjoy my cash back, and pay them off at the end of the month. I have an unavoidable expense, in the $7k-$10k range. I could pay it off …

Could I get your critique on my offer negotiation email? Hi, ER nurse here applying for a behavioral health position. They asked my expectation, I told them $40 which matches my current salary. I received the offer today for $35. Which is more in line with FT employment for nurses in my area (and even low for that). Any tips on responding to HR’s offer letter? This is what I have (that I’ve borrowed…

Google Responsive Search Ads Just Got More Flexible via @sejournal, @brookeosmundson Google Ads just updated Responsive Search Ads to improve asset pairing and messaging consistency. Here’s what’s changing and how it could impact your PPC performance. The post Google Responsive Search Ads Just Got More Flexible appeared first on Search Engine Journal.

20% down payment or more on a house? My husband and I make a combined $210k. After taxes, health insurance, and retirement we take home around $8k/mo (sometimes more with OT and holiday pay) It seems like the housing market in our city just keeps going up, even with higher interest rates. We’re currently in a 2 bed, 1 bath house 580 sq ft. We will desperately need to upsize into a …

Mortgage vs HELOC Amortization I have a question about loan amortization. I’m getting a loan for some home remodeling. I have seen bad things happen with HELOC loans. But, those people also had bad financial discipline. My bank is offering two loans: home equity loan at 7.5%, 30 yr loan due in 20. The other is a HELOC at 4% for 6 months then prime -0.5%. Interest only for 10 …