Am I making right choices with my 401k and Roth Ira Hi everyone. I’m 42 this year. Have a 401k with fidelity at around $280000 which i add about 18% and company does 6 % match. Have a roth Ira with fidelity at around $47000 and add about $200 a month. I could be wrong but I don’t think I’m maxing either of them. Should I just add that extra 200$ back into my 401k ? Kicking my self in the foot fo…

Should I be worried about prepaying a full year’s rent? I’m an first-year PhD student in Wisconsin, and I’m trying to rent an apartment, but I don’t have a US credit score or a co-signer. Because of that, the landlord (CHT Apartments) is asking me to prepay a full year’s rent to secure the lease. I’ve checked that they own the building and they use AppFolio for payments, so it looks legit. But since …

Always get a bout of anxiety with larger purchases As it says, my anxiety tends to spike when we make larger purchases. Last year, we dropped $10k+ on mini splits to add AC and help support the furnace and it gave me a few weeks of anxiety. This year, we are redoing our floors and counters and it’s another $13k. The mini split project was a bit of a surprise, so I can understand that a bit bette…

all of my money stuck in a frozen account I’m 21f for reference. I have a teens capital one checkings account with my mom having parental controls. I never got around to changing it to an adult one after turning 18 and thats never been an issue until now. The card stays unlocked and I do what I want. This morning my mom woke me up saying that capital one called and her because theres be…

Question about potential gift from parents Last year my parents lent us money to purchase a home in NY state. We made sure to set up a repayment plan that included interest to keep everything above-board with the IRS. This year they are expecting a large sum from the sale of a property in my late grandparents estate and they want to pass that inheritance into our loan. My question is wou…

If you had to choose just one: Roth IRA or 401(K)? A little about my situation, i’m a 30 year old union tradesperson. I have been living paycheck to paycheck most of my life and I ‘m finally starting to make enough money that I can afford to invest about $100-200 a week. Through my union I am vested for 2 pensions that will hopefully cover a majority of my retirement but I want to do more for my…

How conservative is too conservative? This is an honest question, so please don’t assume I’m some kind of doom and gloomer. I’m recently retired, 60. I’ve been investing since the mid 90s. I’ve been up, and I’ve been down. I’ve chased gains, and I’ve been conservative. I’ve lived through a bunch of crashes including 87. I got basically wiped out in dotcom, and no sooner recovered fr…

Just found out my mother is in debt My senior (73) mother recently lost her husband. Unbeknownst to me, she racked up significant debt during the last 6 years while he was seriously ill. Medical debt, general credit card debt, etc. She also has not filed taxes for the last 8 years. She gets SS (about 1300/month) and has a small investment fund with about 20k in it, and some shares…

Front-Loading Solo 401(k)? I’ve contributed $2400 so far in 2025 as an employee, with $932.50 from my employer. I’ve switched jobs and will now be employing myself through a single employee Professional Corporation with S corp status. I start in March and will do my first payroll in April, so expecting to have 9 monthly checks in 2025. I know the employer can contribute t…

What should I do with a $10k lump sum? I will be getting roughly $10k in per diem all in one lump sum thanks to my line of work. I currently have just over 3k in my savings and a 19k car loan at 7.8% interest (amongst other adulting bills). I’m not worried about any inability to pay my bills, I just don’t like having the ones I can avoid. I would like to put a bunch into my investmen…

Upside down 10k on a Mini Just during Covid my car was hit by a Buck. 17,000k worth of damage. Did I mention it was a two week old car. Mazda CX-9 Signature. So my car was impacted by the parts issue during that time so I had to get a replacement car because they said they didn’t know when I would get my car back. I needed a car quickly and got one through Carvana. It wa…

40 year old, what should I be doing with my savings I have 30k in a 401k that i’m contributing to as well as 25k in precious metals, but also have 75k sitting in a brokerage account that’s invested in t-bills earning around 4.25%. I’m also saving about 20k per year so my plan is to grow this 75k to 200k in about 5 years, and use the money to purchase a condo (there are decent condos in my area fo…

Army screwed me now I’m $5000 in credit card debt The army travel service is refusing to reimburse me for moving my entire life to my new place of duty. The AER loan officer told me I’m not eligible for a loan. What are some options on paying off this debt before the 2nd of next month. I’ve thought of taking a personal loan? submitted by /u/Ok-Thanks4056

Over contributed to my roth ira in 2024 Any suggestions? Turbotax says to sell the amount I over contributed and pull it from my roth. Im under 50 so according to turbotax the limit is $7,000 i didn’t realize i went over the cap $4,617.53 robinhood 2550.24 Fidelity 7,167.77 i contributed do i just sell a little and pull like 200$ out to not get a 6% penalty every year? submitted…

How can I calculate when I’ll catch-up on retirement I’m 40 years old, I make $100k per year and I have $147k in retirement. I’ve been investing 15% into VTSAX/VTI + 2% employer match. Starting this year I will max out HSA & Roth IRA. If I stretch my budget paper-thin I can increase my 15% to 25% & max out 401k too. How do I figure out how long it’ll take me to catch up at this rate vs. how much s…

Tax preparation and local CPAs Is it best to work with a tax preparer in State or is it just as well to work with someone in another state (Kansas for instance and I live in NJ work in CT) is it best to find someone in the metro area? Does it make a huge difference? submitted by /u/choirscore

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Asking for clarity on underpayment penalties with the IRS Normally my taxes due are less than $1000. However this year I sold a good chunk of ESPP shares, and even though my W4 is set to 0 allowances, I owe a bit over $2000 and will be paying in full. For 2025 taxes, do I have to add additional withholding / do some estimated tax payments to be safe for next year in case I sell more ESPP and am again o…

Withdrew 10k from Trad IRA to purchase First home This past year I withdrew 10k from a traditional IRA to purchase my family’s first home. I have not done any additional paperwork – but I’ve gathered that there is at least one form that is required. Is it too late to attempt to avoid the early withdraw penalties? I understand I’ll owe income tax on the 10k, but trying to avoide the extra 1k on …

Car dealer ship offered to buy my car and I can choose another car worth same amount went to dealership for oil change and maintenance. one guy came to me and said how someone was looking to buy a car like mine and asked if i was interested in selling it back to the dealership (same dealer ship i bought it from) for the amount i paid for in the loan (i recently paid off the car) I told him no in that moment. wondering if this is…