Should my Fiance and I buy a studio apartment for under 30k USD? So we live in South East Asia. I make around 3.5k USD a month and my Fiance is a local making about 1,000 USD a month. We currently spend 750 USD a month on rent. A condo is up for sale near us for under 30K USD. We thought if we bought it and lived in it for about 14-16 months, we would be able to save back the 30K in that time and then anythi…

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What to do with life insurance from parents? My mom has been paying for my life insurance since I was a kid, I’m now 25 (single, no dependents) and she’s transferred the payments over to me (around $130 monthly). I’m already getting life insurance for free from my work, so do I still need the one my mom was paying for? Are they different things? Is there something specific I should do befo…

CFPB is not sending complaints to banks This is being done with a throwaway account for obvious reasons. I work for a bank and my department directly works with the CFPB (along with other regulators, BBB, etc.) and we aren’t getting any complaints coming in from the CFPB portal. Last week we were, but I just want it to be known because you can still submit complaints online, but the b…

How do I address what seem to be exorbitant expense ratios on my 401k? I own a small business and used Edward Jones to set up a 401k for myself and my employees. I’m just now learning about expense ratios for 401k funds. Looking at my current funds, I’m seeing expense ratios around 1.5% for American Funds. Not only does that seem very high in general, it seems very high for American Funds. I’m sure this can someho…

Car debt or Roth IRA? Pretty simple here. My parents got me a car during beginning college, I’m (21 M) now working earning $1600 semimonthly. So I took on the car loan which has a monthly payment of $420, I have been paying $800 for the last 2 months and $15.65k remains on it with a 9.54% interest rate. (Don’t ask me, I don’t know how.) I’ve contributed 2.5k to my 20…

Medical Bill from 3rd Party Group Sent to Collections With NO Notice Received a phone call outta nowhere yesterday from a representative calling from a collections agency saying I have $150 bill overdue. Thought it was a scam at first, until I asked some more questions and found out I had an overdue medical bill from around the time I had an MRI done last summer. Thought it was strange, because I had already paid…

Hello reddit – how should I save for a home with a vague timeline of 6-10 years? I’m 24 and graduated from college and started work this past october. I’ll probably buy a home when i’m 32-34 years old at this rate. I currently live at home with my mom with a $5833 gross monthly income. $1155 of it goes to taxes, $2080 401k, $422 roth ira (lump summed some leftover cash from the ‘24 lump sum ira I made from my summer internsh…

Gifted whole life surrender and taxes Grandparents purchased a whole life insurance policy for me as a child through a local insurer. I surrendered it instead of taking up the payments upon their passing in 2024. I received a few thousand dollars back and tax time is here. I don’t know the total premiums contributed before going to my CPA. Can anyone tell me if I need to pay taxes …

My Parent’s Debt is Concerning My parent’s(in their 40s-50s) have a large amount of credit card and loan debt with no form of savings what’s so ever. Around 50-80k of debt, while they both make around 80,000 a year combined. I have knowledge about most of their finances and know they go from paycheck to paycheck. Me an 18(M), a middle child going to cc(community college) hav…

What should I be prioritizing for the next few years? For some background info: Salary: 107k/yr in LCOL area Age: 30 Retirement savings: 30k Simple IRA 10k Roth (haven’t contributed for 2024 yet) 60k in savings account (50k will go to 20% DP on a home + closing costs) I am looking to close on an affordable house with a monthly payment of $1598. I have no other debt because I recently repaid my stud…

Is it worth paying off debt collectors for 6 year old credit card debt My old credit card debts are around 5-6 years old and passed around by so many debt collectors that the offers to settle are getting low Settling $2500+ outstanding debts for around $100 a piece is honestly a tempting offer for me, but aren’t credit card debts supposed to fall your credit score after 7 years anyway? Or is that 7 years after the …

How should I spend extra 20 grand in my situation? I M35 recently been saving my extra severance that I got from last year that built up to 20k. I’m not sure exactly how to spend it whether to invest or pay off the house? I Current Networth: 750-800k depending on house equity/investments HYSA (4%) – 70k Investments – 400k (Combined with my Wife) 401ks + Mutual Funds House Equity – 350k (House wo…

After looking, i’m honestly so turned off on buying a home anytime soon. The numbers make zero sense. Okay, I don’t think the market is going to crash 40% like /rebubble thinks and you’ll be upside down for a decade. But after looking, the numbers literally make zero sense. Me and my wife have 20% for a downpayment saved and 70k left over saved (170k saved overall) for purchasing a home. So we can afford it. But it makes zero financial sense. I’…

Should I mortgage recast? I have about $773k left and a little under 28 years with a 4.875% interest rate. I have about $200k sitting in a HYSA (3.80% APY) that was gifted to us. I’m thinking of putting maybe $150k towards recasting the mortgage to lower the monthly given we have other monthly childcare expenses. I think we can afford the loss in liquidity. We don’t pla…