Are these payroll allotments a scam? USPS Hello r/personalfinance. A little bit of backstory. I am a relatively new employee to the USPS, started in 2022. When I was in orientation, they went on and on about the benefits, how great they were, and so forth. Now, I know that most of those benefits are withheld for Career employees. 2 years, some months later, and I’ve paid off the car tha…

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Credit One Bank Issues Has else had the following issue? I just initiated arbitration behind it. Closed my account in November with a zero balance (didn’t use the card anymore because my credit is substantially better than when I got it). Somehow, they messed up and didn’t close the account despite telling me they did. They kept charging the monthly “annual” fee. I th…

Is contributing $6000 a year into retirement enough to retire at 67? I am currently 45, single. Have a stable job with stable salary, making about $48000 after tax. Have $120k in retirement currently and growing, have a house that will be paid off in 10 years. I am planning to retire at 67. Not looking to live a leisure life but comfortably not having to worry about putting food on the table or medical expenses a…

What’s my best path forward here? (details in post, too much to list) Throwaway account because this contains personal info. Current financial situation: Income: $175K Age: 32 401k: $300K Credit cards: $7K (awaiting reimbursement from company for travel expenses) HSA: $20K Taxable brokerage: $43K Rental property (out of state): $56K equity, $1K net cash monthly (when fully rented, in between tenants currently), mo…

Advice on Unexpected, Large 2023 Tax Return Check Hi all, At the very beginning of the year, I (27M, if it matters) received an unexpected 2023 tax return check from the US Treasury. I verified it, and it is fully legitimate – the explanation letter that came in the mail shorty after said they simply made some corrections from my 2023 tax return – I had originally received my ordinary amount in…

401k partial rollover to Ira My mother is thinking about rolling over part of her 401k to a Ira to buy a certain stock. My question is will her employer still contribute to her 401k since she’s not rolling the whole thing over and will still contribute to her 401. Her rolling that set amount is all she’s contributing to the Ira. Also I’ve read there’s a 7k contribution limi…

Maxing out HSA Roth IRA and 401k what next? My goal is to retire as early as possible, Im currently maxing out my Roth IRA my HSA and my 401k. Where else can I put my money to grow my money by retirement. I don’t currently have 50k in liquid money that I would need to speak to an FA at my bank but I also don’t want to wait until I get that with just a HYSA until it gets to 50k. Where shou…

Most of my investments are in USA. But I’m planning to leave and move to Canada to retire Any suggestions on selling and moving money into Canada? Or can i just take annual $$ as needed. Any suggestions for minimizing fees and taxes submitted by /u/Individual-Craft7384

Looking for budget/home finance app for couples Hey guys, hoping this subreddit can help. My wife and I want to get better about budgeting this year and tracking our 401ks, stocks, credit, loans, mortgage, ect…. I’ve tried a few apps but they are all geared towards one single person. Are there any apps or even just websites that are meant for an entire household? I’d love to see my stocks si…

Paying off a little debt that has gone to collections A couple years back I rented an apartment and moved later in the year. I was assured that the apartment complex would only charge me until they found someone willing to fill the space. “Typically 3 months” was the wording used. 4 months later I was still being charged and could no longer make the payments for both apartments so I chose to let it…

Combining Finances Advice Hey everyone, so I’ve been engaged for a while and getting married later this year. I recently just combined checking account with my fiancé. He transferred everything over to my checking since I bank with a better company. We decided to keep separate savings. I have significant more amount in my checking/ savings and When I made him an authoriz…

Medical bill from 9 years ago Recently received a medical bill (under $1k) saying we owed money to a doctor. On the invoice it said it happened in early 2022, but we have no recollection of ever going to this doctor. I originally thought it was a scam but we called the doctor’s office and it turned out it was real. I told the office that we had never been there in 2022 and a…

Is there any benefit to making extra mortgage principle payments if you don’t plan to be in a house long enough to reach the end of the loan? Basically as the title says. As I understand, making extra mortgage principle payments only reduces total interest by reducing the life of the loan. But if you’re not in a house long enough to reach that point, is there any other benefit? submitted by /u/blackhat118

What steps should we be taking to protect ourselves and our finances now that the CFPB is being dismantled? Title. Now that the CFPB is effectively being neutered, it seems like any fraud, bank errors, etc all fall on us as consumers. What are the best steps to protect from the consequences of this? I’m just imagining how devastating it would be to have someone pull all the money out of my account, then be effectively told “we’ll get around to it, but…

If i cant do backdoor roth ira, can i make one for spouse? I have a simple ira thru my job so i cant do the backdoor ira. My wife has a 403b account through her job so can i just open a roth ira under her name and invest through her account with the backdoor method? submitted by /u/boombai12

Is it worth it to pay someone to do my taxes ?? I don’t make much I made like nothing last year because I didn’t work for a few months but I have three w2s I’m trying to do it on turbo tax but it’s asking me some more complex questions and I’m terrified of messing something up because the one time I did it on my own I forgot to include my unemployment w2 (didn’t even know that was a thing I t…

Is there any adjustments I need to make to this savings plan? My wife and I make a combined 350-400k per year depending. 200k of which is 1099 and 150k is through the military. It’s hard to say what the actual military salary is because so much of it is non taxed. We have no car loans nor student/consumer debt and a modest mortgage at $2500. Currently, we are maxing out the TSP at 23,500, half of which is…

Just bought 1st apartment and i am so anxious We are from HongKong so all the amount will be on HKD. So me & my husband just bought our 1st apartment. His parents helped us with down payment of HKD 1m with a condition that we pay 500k whenever his younger brother buys a house (maybe in another 5yrs). After shifting & furnishing we will exhaust all our savings but we have gold jewellery wort…