Never had credit before, but bad credit score? (I just turned 18) Hi there, I just turned 18 about a month ago and I was just looking around for credit cards and stuff to try and build a good credit score early so I’m set for the future. I’ve never had any sort of credit. But my credit score is poor. Why is this? And how can I build a credit score if I can’t get accepted for credit in the first place! sub…

Looking for confirmation that I SHOULD close my credit cards All, I searched the wiki and page first, so I if I missed something, please let me know. My wife and I have 4 credit cards. Long story short, she cannot be trusted to carry a card as she maxed them out. All of them. Four. It’s my fault for not keeping an eye on things, but whatever. I’ve taken out a structured loan to pay them all off. Consider…

Family member giving me 20k to pay for divorce I hope this isn’t a dumb question but hoping someone can help before I go to my bank. My divorce has been finalized and I owe my ex 35k. Due to the nature of everything my father is giving me 20k to cover some of it and I have the rest to pay my ex. Can he just deposit it into my account? Is that taxed? I am just trying to figure out a way to do…

Question about Highly Compensated Employee when company spun off during the year. My company split off the parent company during 2024 so I received two W2s. When it came to collecting Paid Family Leave contributions as they are permitted (but not required) by state law, they did it as 2 companies so I exceeded the state limit in total (max on one W2, additional on the other W2). When it comes to calculating if I am a HCE thou…

International stocks and qualified dividends My tax sheltered accounts are 80% VT and 20% AVUV/AVDV (60/40) and my brokerage account it 80% VTI/VXUS (60/40) and 20% AVUV/AVDV (60/40). They are slightly different so I get the foreign tax credit in my brokerage from VXUS. I was thinking about how qualified dividends are so much better tax wise than unqualified dividends. 15-20% federal tax v…

Can I deposit money into bank account without parent’s permission Hello I turned 18 a few months ago and i have some money I want to put in my account, my bank account is a joint account with my mom. It was made with chase when I was still 17, I was wondering if i can still go to the bank with just my passport or something and still put in my money? submitted by /u/Legal_Ad_5802

How should I plan for my future I’m a 20m college student currently with a couple years of college, thankfully I received a full scholarship and i will live with parents for the last two years I will finish undergrad in applied math and econ with no debt, I recently came into a little under 100k which was supposed to be a college fund , how should I divide the money and alloca…

Should I sell my XYZ stocks at a loss? I bought 160 SQ stock (now XYZ) in 2021 for avg $230 a share. Brutal. In my TFSA (tax-free savings account). I’ve held and just can’t stand to see the $22,000 loss on my portfolio. It was a dumb move and I wasn’t paying attention. What would you do? Hold on and hope it goes up again? Sell and put it into VOO? Something else? What would you do? …

When to stop maxing out 401K contributions My wife and I have been maxing out retirement accounts for almost a decade now. We have extremely generous employer matches as well. (6%) Accumulated ~1M $. We are in our late 40s. When is a good time to stop maxing out and just splurge a little. Based on conservative estimates, we stand to get a combined 6K a month in pension and SS payments st…

Car insurance has been creeping up over the last year – curious if this has been common or if it’s time to shop around Hey PF- Our car insurance for a 2017 Highlander and 2000 4Runner (both paid off) has gone up slowly over the last year or so by about $50 a month with no incidents on our end. We’re paying $230 a month. Wanting to spot check if others have seen other similar increases, and if any of you have had success shopping around. We have a pretty low dedu…

Should I fund ESPP or MBDR? I am already maxing my pre-tax contributions to my 401k, and maxing an HSA but I have access to the following two options and am curious which I should be prioritizing. At this time I cannot afford to fully fund both. 1) Employee Stock Purchase Plan – up to 10% of my salary, stocks are purchased at 85% of the average cost over the pay period (tw…

Suggestions for how to use $48k to best improve my financial snapshot? (All needed info provided) TL;DR: I am 35. I make $110k/yr gross. I have $30k student loans and no other debt. My net worth is roughly $150k. I recently got $48k (estimated post tax) from selling a handful of stocks i got very lucky on. I want to use this profit to improve my investing but i don’t know exactly what i should do to do that. ———————————…

Moving 1 year ISA to S&S ISA- how? Hiya! I’m a bit confused with this. So, I’ve got 40k in a 1 YEAR ISA with Barclays Bank (used my full allowance for the past 2 years) that matures in June 2025. I want to get rid of that and move those 40K plus another 20K (use my full 2025 allowance) to a Vanguard STOCKS&SHARES ISA I basically have no idea of how to do this, when can I do this…

Parent passed away, inheritance question I’m just going to throw some rounded numbers at you and maybe you could help me with my expectations as to what will happen next: Parent passed, left everything 50-50 to me and sibling. Parent was 100k in debt (cc, loans, and one heloc)… There could be more, this is just want I found. House has mortgage of 150k, and the Zillow estimate is th…

Looking to refinance motorcycle loan I recently bought a new bike, about 1 year ago. This was the first time I ever bought something new and financed it, and the reason was because they were offering a promo 3.99% interest. Before picking it up, the sales guy said i should qualify for it no problem (credit score around 700). When it was time for signing, he said you actually didn’t…

Managing Emergency Fund Curios to know that how you managing your emergency fund ?? Are you keep the all the funds in place or split into more than place ?? Once it reach the level to cover your 6-12 month ? Will you keep increase the bar or move into next goal ?? submitted by /u/ManiAdhav

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Significant Income Increase Hey yall- I was contracted into a position for the next year to where I will be making an extra minimum $6k/month, with the possibility of $12k/month on top of the ~$7k I already make. I have about $20k in CC debit, $17k is on an interest free card until September and $3k on an interest bearing card (These debts are all due to a divorce I’m sti…

Should I buy a 2nd car as a backup? Current car, 06 Nissan Altima SER, Manual, 205K miles. New tires, runs well for now Looking at an older model Civic, 145K miles, spending around 3 or 4K Currently have about 10K in savings 23/male – should I just set aside 3 or 4K in savings and use it for repairs, invest the rest? Should I buy the civic and drive it full time and use the Altim…

Owing federal tax for first time ever and not sure why… is it because my income went down? Or is my employer not withholding enough? I’m confused! Hi y’all. Happy tax season. Please be kind to me in your responses (but also explain it to me like I’m five) because I’ve tried to do my own research and figure out the situation, but tax jargon just isn’t making sense to me right now under the stress of having to owe. I’m already very low-income so owing even $312 is huge, that’s nearly a week’…