#Business

Found retirement money, what to do?

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Found retirement money, what to do? I (54M) was recently contacted because there was a pension plan (!!!) I was enrolled in over 30 years ago at an old job. It’s only about $30k total, so I’m not looking at property in the south of France or anything. The pension is being dissolved, and I am being given 3 options for my money at the end of the year. First is just a lump sum distr…

Reddit Personal Finance 585 2025-02-05

Helpful Money Habits

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Helpful Money Habits Ive found small habits when it comes to money are the biggest difference makers. For me, it was simply checking my bank account every morning. I used to avoid looking at my balance, and because of that, I’d overspend without realizing it. But once I got into the habit of glancing at my transactions daily, I started noticing little things: subscr…

Reddit Personal Finance 353 2025-02-05

Paying off deceased mother’s debt with lowest tax implications

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Paying off deceased mother’s debt with lowest tax implications My mother passed last year (fuck cancer). She had far more money that we expected but certainly nothing that’s in the realm of “we can stop working the rest of our lives” money. The majority of the money is sitting in a traditional IRA that has her children as beneficiaries. For round numbers, let’s say that each child gets $50,000, though I don…

Reddit Personal Finance 901 2025-02-05

Need advice on paying $21,000 credit cards debt

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Need advice on paying $21,000 credit cards debt I am 24 years old. I’ve been stupid enough to overspend more than i could afford and I regret it. Need advice on what would be the best way I can pay this off, it’s been annoying and I wanna pay this off ASAP, my credit score is going down to 590. My annual income is $53,000-55,000. Chase sapphire interest is killing me $200. Wish i was more wis…

Reddit Personal Finance 662 2025-02-05

Someone bought a flight ticket with my debit card and I got the confirmation to my Gmail

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Someone bought a flight ticket with my debit card and I got the confirmation to my Gmail Yeah well, I’ve blocked my card, but does this mean my Gmail is compromised? I was also called by the airline customer service… Process is ongoing with my bank but does this mean my Gmail is compromised, or how does that all work? I’ve bought a ticket for someone else and got the ticket to my Gmail, but can’t see any activity on the account ei…

Reddit Personal Finance 566 2025-02-05

Moving from WA to CA. Any state taxes or unique taxes I should be aware of?

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Moving from WA to CA. Any state taxes or unique taxes I should be aware of? As the title implies, I have been offered a job (1 year contract) in Irvine, CA which is a 40% increase of my annual income but I currently live in Seattle, WA (no state income tax) I’m aware that California has state income tax but I’m now noticing that there’s other state-specific taxes I should be aware of such as capital gains on HSA and bro…

Reddit Personal Finance 1.1k 2025-02-05

electronic payment apps internationally?

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electronic payment apps internationally? This is my first post so forgive me if it’s not warranted, but I am wondering if there’s a tracker for what the common electronic payment apps are in every country? I just came back from Brazil where the dominant app is Pix and India where the G-pay is super common and I wish I had known this beforehand because it would’ve allowed me to pay for …

Reddit Personal Finance 982 2025-02-05

Taking Advantage of my Situation

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Taking Advantage of my Situation Hey y’all! Seeking advice on how to take advantage of my current financial situation. 22yo, ~$55k/year salary (Sales job w/ commission). Debt-free. Current expenses: $400/month for car, ~$200/month food. Currently live with family, not paying for rent. I do plan on moving out at some point in 2025. I have $14k invested in a portfolio (mostly S&…

Reddit Personal Finance 869 2025-02-05

Employer provided me with a W9 instead of a W4

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Employer provided me with a W9 instead of a W4 Hey yall, Recently got a part-time position that is sub 20 hours a week. The only employment form I recieved was a W-9, I’m very much used to an I9 and W4. Is there any obvious tax implications for this on my end? Thanks! submitted by /u/DildoWilliumz

Reddit Personal Finance 595 2025-02-05

Death Of The Keyword: Why Aggregate Organic Traffic Is A Better Metric via @sejournal, @Kevin_Indig

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Death Of The Keyword: Why Aggregate Organic Traffic Is A Better Metric via @sejournal, @Kevin_Indig Search isn’t what it used to be. With rising costs in rank tracking, do keywords still matter? It’s time to rethink your SEO strategy. The post Death Of The Keyword: Why Aggregate Organic Traffic Is A Better Metric appeared first on Search Engine Journal.

Search Engine Journal 861 2025-02-05

I’m disciplined with fitness, but terrible at budgeting

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I’m disciplined with fitness, but terrible at budgeting I’ve spent the last 6 months tracking every meal, every workout, every macro. It became second nature. But when it comes to money, I have zero control sigh I try to budget, but I either forget, overspend, or just give up. I don’t even know where my money goes each month—it’s like it disappears. I’ve tried using apps, writing it down, but I never…

Reddit Personal Finance 507 2025-02-05

Personal Revelation – how much interest costs us

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Personal Revelation – how much interest costs us Just want to share a personal revelation. This past year I’ve had massive change in how I pay attention to how crappy my family’s personal finances have been. This was all triggered by laughing to Caleb Hammer rant at people for how dumb they are, but then I took a long look at our debts, credit cards and our spending. Got started on paying dow…

Reddit Personal Finance 1.2k 2025-02-05

22k in debt at 21 PLEASE HELP!

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22k in debt at 21 PLEASE HELP! Hello in high school I got a Chevrolet Malibu 2018 and I went with my mom to the dealership. I got a car that was about 100,000 miles per $18,000. I know it sounds fucking stupid and I am just now realizing that after about two years, the car started messing up, turning off in traffic to where I had to trade in my car for a different one which i…

Reddit Personal Finance 705 2025-02-05

Payoff student loan debt in full?

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Payoff student loan debt in full? I have about 82k in a brokerage account. I’m not currently contributing to it as I’m focusing on my 401k, Roth, FSA, and HSA (2 kids currently, 3rd arrives Thursday). My student loans are currently at 35k at 6.25%. The only other consumer debt we have is a car loan that we are paying $800 for another two years. Bought new in October of 2024. O…

Reddit Personal Finance 1.1k 2025-02-05

Went from corporate job (with 401k) to education job (with pension and 403b); what do I do with my 401k?

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Went from corporate job (with 401k) to education job (with pension and 403b); what do I do with my 401k? In 2018, I went from a corporate job with a 401k to a community college position with a pension and 403b. I had no idea what to do with my 401k and didn’t have the bandwidth to deal with it; I had a major and difficult life event happen right at the same time. My 401k has been sitting in its account, but I have to pay fees on it because I no lo…

Reddit Personal Finance 1.2k 2025-02-05

Fidelity “Professionally” Managed Bond Portfolio – Not Recommended.

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Fidelity “Professionally” Managed Bond Portfolio – Not Recommended. I have had a terrible experience with Fidelity professionally managed bond portfolio service. Most concerning is how the stated make up of the portfolio was misrepresented in the prospectus compared with the actual composition of the fund put together for us. Here is the stated objective and type of investments promised. Investment objective: Se…

Reddit Personal Finance 972 2025-02-05

I’m a college student and I don’t know anything about saving or investing. Any help?

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I’m a college student and I don’t know anything about saving or investing. Any help? Hey guys, 21 years old college student here. To be honest, I know nothing about saving up or investing money. Heck, I don’t even have a savings account opened up, and I’m living paycheck to paycheck from my minimum wage job. Is there any advice you can give to someone like me who knows nothing about personal finance and investing? Just simple ti…

Reddit Personal Finance 821 2025-02-05