How do I budget my $1000 a week with ~$8k in debt? Edit3 – Thanks a lot, everyone who commented here! Your advice is valuable to me and I really appreciate it. To begin with, I will put $2k a month towards my debt (already paid a 1000 just now) and then increase my savings. I was struggling to find a job for about a year which led me to a debt of $8k. Now that I do have a job that pays me roughl…

ELI5 ESPP tax stuff: form 3922 vs form 1099-B? I participated in my company’s ESPP this past year for the first time. I believe the broker they use will send a 1099-B form which I can use to report capital gains since I sold immediately both times. But I also got a form 3922 from the company I work for. I’m not really sure what the difference is or how this all works. Can anyone explain it? …

What types of investments accounts can I open in Canada as a Canadian citizen residing in the United States? I am a Canadian citizen currently residing in the United States and am looking at opening a CAD$ account in Canada. From what I’ve read a GIC is a possibility, and I was wondering if there were other options for investing other than a GIC. If anyone has any helpful insight it would be greatly appreciated. submitted by /u/Hiimbames …

Helping a retiree with debt… Help! I’m very responsible with finances but I find myself helping and elderly friend who was not. HELOC: 20k Credit Card Debt: 20k Misc Debt: 25k He’s now in a retirement home spending down so he can qualify for medicaid because he does not have any other income streams. What is the best strategy to consolidate/pay for all these debts? Thanks in ad…

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Best way to buy home for parents I’m now in a position to be able to help my parents more financially. They don’t really have any financial assets and will soon need another place to live. I’m wondering what the best way to help them buy a home is – buying a home myself and letting them live there, giving them money for them to buy a home, or co-signing a loan for them? Would a…

I’ve maxed out 3/4 credit cards, have 2 loans and I can’t afford my payments. I made dumb decisions knowingly one day I would have to pay the price, and the day has finally come. I really want to go back to school for culinary arts, and I don’t qualify for federal aid since I make too much apparently. I want a practical strategy to pay off as much as I can but my minimum payments for all cards are over $100 a month… (Cont…

Can donating a kidney affect future life insurance policies? I just registered to join the kidney dinor registry and plan to donate if I get the call. Expenses would be paid by receipients insurance, I can get leave from my job, I have an emergency fund and spouses income. I can’t think of any other way it’d financially hurt… …Except that I plan to get a life insurance policy within the next year or s…

401k to IRA taxes, backdoor Roth Moving 401k to IRA and taxes: I have the opportunity to move Traditional 401k (100k) and Roth 401k(20k) to Traditional IRA and Roth IRA. I also invested 7k to Roth IRA back door for 2025 (move from Traditional to Roth 401k). Fidelity who holds my 401k says if I move my 401k to IRA, they might tax the entire Traditional 401k since I didn’t one tr…

Help me be smarter with my online banking skills (I’m really, REALLY, bad…) I’ve done banking completely wrong for many years since I was 15. I was never taught a correct way and I’ve always stuck with my way because for me, at the time, it worked, I’m now 23, have rent payments, truck payment, insurance, etc. and it’s getting to be a hassle juggling money between 2 accounts. And is there a better bank than Truist? Trui…

Rolled over Roth 401k into Roth IRA. Didn’t realize employer match was pretax. Although it seems it may be common knowledge, I was unaware that not all of the money in my Roth 401k was Roth. After I left my previous job last year, I rolled over my Roth 401k (& employer match) into my Roth IRA with Vanguard. As you can guess, I have a fat tax bill on the employer match portion of my Roth 401k. Is there anything I can do at …

HSA investment account not growing ? As the title states I have a HSA and make regular contributions, last September I reached the threshold to add a certain amount to investments and I did so accordingly, however since doing this and adding to the investment balance. I’ve yet to see any growth/loss in this account. The balance is just what I’ve put since September 2024. For refer…

It worked for me – reduced dentist bill Thanks to all the advice I’ve read about medical debt here on r/personalfinance I called my dentists office to 1) ask about a credit that I didn’t see reflected on the invoice and 2) request a payment plan. I was recently laid off, so although I could have paid the lump sum I wanted the money to be in my account just in case. They issued the cre…

Late but not lost: Saving for retirement while semi retiring My married relatives (he’s mid 70s, she’s mid 60s) have effectively no retirement savings. But, they own their home outright and have established a moderately successful business with an annual profit of about $150k. Their business is their lifestyle and they recently started talking about scaling back and semi retiring. But we aren’t sure how b…

I sold my house and made 36k. What in the world do I do with it??? So for some context, I’m 25(m) and I sold my house. I’m moving back in with parents (I’m newly single after divorce) because I really want to save and invest as much money as possible for either a house or early retirement. I’m a teacher and make about 50k a year and will probably pick up a summer job as well. What should I do with the money? I …

Divorced parented dad having an issue with taxes here… The ex and I got divorced several years ago. In our divorce decree it is ordered that we alternate tax claims for our child. This is the year where it’s my turn to claim her as a dependent. We are both custodial parents and have 50/50 custody and complete 50/50 joint decision making. Anyways… I was using freetaxusa for the first time ever, and…

Can Nintendo’s new console propel it to even greater heights? The Switch 2 is another bet that price and portability will beat processing clout

Found an old stock certificate, now what? I found an old stock certificate for The Bank of Canton, Limited while rummaging through my parents belongings. A quick google shows that it has been acquired by Security Pacific National Bank in 1988, then Bank of America (renamed to Bank of America Asia), then finally sold to China Construction Bank in 2006. The certificate was bought in 1926,…

Never invested. Thinking about it. Any advice for beginners? Looking at stocks and what not. Maybe I’m in the wrong sub. But I see a lot of money being made in peoples posts. I know people have gone down the rabbit hole but I am not addicted to gambling I barely gamble as I have no money to do so. The only thing I know is whatever money you invest it has to be money you don’t need. Throwaway money I think…