36yrs old, what should I do with my life savings? Not married and wondering what I should do with my life savings. I have $50k in a money market account that gets 3.5% interest. I can remove $25k from this account to invest, while still being able to keep it open. My car is fairly new and paid off and I have no interest in purchasing property. What are some things I should be looking into inves…

Is my thinking right here, or does my spouse have a valid point about taking SSA early ? Quick situation run-down … married, and we’re both 60-61yo. I’m still working full-time, same company for 25+ years, making around $160k. I expect to keep working at least 5 more years, job is secure. Spouse “retired” a little early, because he didn’t like his job any more, and we were able to swing it on one income. He stopped working when he…

32 y/o Retirement Investments Recently started to pay attention and care about retirement saving! I know I’m a little behind and should’ve done this out of college but here I am. Luckily I’ve always taken advantage of a 401k and employers match but was ignoring the IRA. Going to do a backdoor roth asap but have a few questions. My 401k was in a target date fund and I recentl…

It’s tax filing season, so let’s talk about ESPP and how to file your taxes PROPERLY! Every year I sell any shares from my ESPP, I always look for a writeup of how to file them, and can never figure it out. I figured I’d write this up and try to help! I won’t go into the benefits of what ESPPs do, but I want to make sure you don’t get double taxed, which I’m sure thousands of people do every year, because its not up to your emplo…

Calls from supposed debt collector First off I have no idea what this could be for, I don’t have medical or cc debt or student loans. I do everything to stay out of debt by living below my means and keeping a diligent eye on my finances. Each time they call it goes to voicemail. I don’t ever pick up calls from unknown numbers, and the voicemail is a robot saying it’s a debt colle…

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I need some help with debt collections that I don’t owe Super long story semi-short I tried to switch to T-Mobile about 8 months ago, but I never received a new phone from them and after going back and forth trying to get a new one I decided just to stay with my old provider. I got fully refunded for everything and the account shut down. A few weeks later I received a new phone from T-Mobile that I …

Should I buy a house outright? I’m a lawyer with very lumpy income. I have about $360k in equities and $220k in retirement accounts. Last year my taxable income was less than $20k (low six figure total income). I lived off of capital gains and misc legal work while working a fat lawsuit. Last week, I won. I should get $600-700k after taxes. I don’t expect another large amount…

Investing 10,000 into what? Hello, everyone and good morning! Just to make this short and sweet- I’ve been poor my entire life. Extremely poor. I’ve lived paycheck to paycheck continuously. In the next few months – i will be given a bit of money (around 10k). I know that isn’t a lot in today’s day and age- but I’d like to play my cards wisely. I’m looking for advice to ma…

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Just invest in S&P 500? For the past decade that I’ve been working and saving with ETFs and stocks I’ve followed a relatively aggressive mix of mostly ETFs and a small amount of bonds. Most years I’ve underperformed against the S&P 500 by ~10%. Should I just go all in on a S&P 500 ETF? Feels like that just makes sense at this point. I realize it’s riskier, but seems li…

Is this the time to exit leases, or should we ride them out? I’d like a second opinion on what to tackle next with regards to debt, cars, retirement, and savings other than “everything at once.” Have a budget and track everything. Current status: 47 years old, married, one teenager (3 1/2 years out from possible college) HCOL area in US Gross of $195k/year for household (FTE + freelancing) 10% pretax go…

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Putting Emergency Fund in a MMF Long story short, I am not happy with the savings account I currently have my emergency fund in. I want to keep it somewhere that I can access it within a few days and also not lose a lot to inflation. I have a checking account and some credit cards with Chase. I am considering opening a JP Morgan brokerage account and putting my savings in a mo…

Should I put more money on my house or invest? Dave Ramsay tells me that millionaires own their home first. I have a 2.5% mortgage interest rate and I think it would be best if I invested any extra money because I will get a bigger percentage return. Please correct me if I’m wrong in thinking this. Thank you! Edit: Thank you for not correcting my misspelling of Dave Ramsey. Thank you everyo…

Taking SS benefits now or later? I have a family member who just turned 64 and is considering taking SS benefits in June. She currently makes about 2500 a month but works 40 hours a week, five days a week. Apparently you can still make about $1900 a month without it affecting your SS payments, so she would reduce her hours to 24 and work three days a week. Her monthly benefit r…