What is the best way to pay off my CCs right now? I have $2,170.85 total in credit card debt ($1,296.21 on a discover card with 9.99% APR, $874.64 on capital one with 0% interest until July ‘25) and $16,942.20 total across 6 public student loans (with an averaged interest rate of 4.2%). I have $800 in savings. I make $4000 net on a monthly basis. I want to knock out my cc debt, build an emergen…

34 yo with 50k in savings who currently rents. How can I make gains for a down payment on a home? 34m and wife 32f are married with our first born child of about 2 weeks. Currently renting and need a bigger place so we are upgrading to a 3 bedroom house for rent. Have to break our lease and not happy about it. Basically bringing my savings down from 62k to a little over 50k. I’m embarrassed to say I’m not sure what to do to increase my savi…

Anyone had success appealing insurance denials? I just got denied for a $1,500 medical bill. For those who’ve successfully appealed, what steps did you take? Did you write your own appeal? Looking for tips! submitted by /u/mahbubzone2016

Health Insurance is the only thing standing between myself and financial stability. Live in the US. I have work that pays fine enough, but they don’t offer healthcare. I pay $15k a year in premiums alone, and another $700 a year for dental. Even with such an expensive plan, the copays are nuts. I’m talking $50-$100. I have health conditions that prevent me from saying “screw it” and getting emergency only. My current tier is t…

How do I save money in the military? I’m currently 19, I’m in the Untied States Air Force and I’m an E1, and make around 1,800 a month after my 15% TSP deduction. I have only 2 bills, one being WiFi which is $65 dollars and my ticket money subscription which is $7 dollars. I have a car that’s paid off and my parents pay my insurance, it’s worth is around $13,000. I currently have 1…

I’m questioning my choice to make Roth contributions after filing my tax return I’m in the 12% tax bracket, so I’ve been making Roth contributions since I figure the worst case scenario I’ll be in the 10% tax bracket and I’m paying taxes now on my investments at a slightly higher rate than I need to. Whereas if I make traditional contributions, the next highest tax bracket is 22%, and the worst case scenario taxwise is, wel…

Large tax refund this year, adjusting withholding questions We got $9100 refund and I’m adjusting my w4 and claiming 3, the HR form says that’s $6000 more paid to be throughout the year. If we get paid biweekly would this be another $230 per check net? (I used the US withholding calculator and it was weird saying based off our paychecks this year, we’d withhold $16k extra for next year but had no adjustm…

Is now the time to move to a new(to us) car? My fianceé owns a 2015 Subaru Crosstrek, 130,000 miles on it and in pretty decent condition. Just brought it in for an oil change and was told that the cam carrier is seeping oil. Since this is a Subaru, this requires an engine out repair, quotes I’ve gotten are around $5,000. Unfortunately she bought the car in 2021 for a very inflated price be…

401k balance suddenly at zero I’m not sure what’s just happened, but one of my 401k accounts (has/had ~$7,000 balance as it’s pretty new) just dropped to zero and I can’t access the account. The only reason I know it’s at zero is because I have it linked to my credit union, so I can see the balance in my credit union app, but I cannot log in on the actual 401k site and it sa…

23, Just Landed a Job, No Credit/Car/Work History—How Do I Make Smart Financial Moves? I’m a 23 year old who just graduated from college with a computer science degree and have somehow been offered a close to 6 figure job in the DFW area with a 5k starting bonus. I have no debt, no credit card (or credit score), no car, and no work history, I live with my parents and have about 5k in savings. No one in my family has made this amou…

Sell my condo and rent? Or stay put and figure it out? Hi Everyone! I own a condo in SoCal, bought just over 2 years ago for 505K at 7.575%. Put 20% down. Realtor thinks it’ll sell for $650K. (I owe $395K on it). I’m single, 36, no real attachment… but the last 2 years have been tough work-wise. My industry went on strike and it hasn’t recovered. As a freelancer, it’s been tough seeing it drain my…

Need some help understanding hierarchy of investment… My understanding is it should go in this order, as I am self employed / 1099: Emergency Fund – 12 Months in Bank at all times Solo 401k – maxed out at 23,000 a year Roth IRA- 7,000 Spousal – Roth IRA- 7,000 Family HSA- 8,500 VOO- Remaining funds Am I missing anything? submitted by /u/WhizzyBurp

Bought a couch at Ashley and see 2 lines of credit opened I recently purchased a couch at Ashley Furniture and see that I was mailed credit cards from two different creditors. When I check my credit history through my bank, my score has dropped 40 points and only one of the new “creditors” show balance for the couch. How should I approach this situation? I don’t want both of these cards and definitely …

optimizing insurance policies (home, auto, umbrella aka PUP) – unmarried couple How can we save/optimize on our insurance policies as an unmarried couple who each own properties? Here is the situation: I live with my partner at his condo that he owns (value: $535K), and I “own” a house that I rent out (value: $850K). My partner has a 2nd property (value: $450K) that he rents out. Both my partner’s properties are insured und…

Pay off all student loans or continue to build emergency fund? Hi everyone! I’m a college grad – about 6 months removed from school – and I am working in finance/insurance unrelated to my degree. I make $30,000 a year and wondering if I should pay off all of my student loans. The only worry is that I want to have an emergency fund in case I get laid off. And because my degree (Kinesiology) isn’t in finance,…

Unsure about moving $16k in trad 401k to roth I simply don’t know whether I should just pay the taxes now and transfer the total. I only plan on continuing to contribute to my roth 410k, where I currently have $17k invested, so the money will continue to sit in the traditional account if not transfered. Some additional details in case it matters: I’m in my mid twenties making a little over…

Im 25 and I am terrible with money. Not even sure where it goes but im getting depressed seeing everyone have such big savings and I have barely anything. I will be 25 in 3 months. I live at home I dont pay rent. All I pay for is my car gas, insurance and phone bill which all equals up to about 700 a month. I make about 45K a year. For some reason I just cant seem to save my money. I quit smoking weed and quit drinking just to have less expenses and try to move smarter. I only have 4k saved right …

pour over wills and probate if i have a revocable trust for all my assets except household items of little value how do i avoid probate on these items can i gift all my household items and avoid the need for a pour over will and probate submitted by /u/psychwarrior7

Best way to apply for car loan Hi all, we’re in the market for a new vehicle, prob around $45k. Planning to put around 20k down and finance the rest. Wife is out of work for about 6 months as we just had our second kid, so currently no income there. I make $110k but we also have a $2,700 mortgage and a $300 car payment. No other debt. 800+ credit score. Given the one income a…

Credit card fraud – advice needed So my primary personal credit card has been compromised twice in the past 6 months or so. I had to replace it last summer and then just had it replaced again in mid-January. Today I noticed another fraudulent charge, it was $2 for a charity organization on the other side of the country whom I’ve never done business with. I called Chase to report…