I need help budgeting for a home (young and dumb) Hey all, I am 25 years old married and a Marine Corps Veteran and work for the railroad. I work about 9-10 hours a day 5 days a week m-f ( I choose not to stay 12 hours lol) I could make much much more working a road pool but love being home and going fishing and to the gun range with my dad and date nights with the wife. I make the same amount …

Roll over my 401k to traditional IRA vs. ROTH IRA I mentioned about rolling over before but I just want to be extra clear, if I roll over my 401k to a traditional IRA, I can still do what I want like a ROTH IRA but get taxed heavily right? Could I roll over my 401k to a ROTH IRA to get taxed right away before makimg investments? submitted by /u/Ok-Discussion325

Nearing retirement, where should I put inheritance? I’m 57 and eligible to retire from Federal Government. My husband is 56 and eligible to retire from State Government. I have 600k in my TSP (401k) and he has about $200k in his. We owe $100k on our mortgage, and a few other debts that we can pay off fairly easily. While eligible to retire, I didn’t think we had quite enough in retirement savings…

Which Funds to Use in 401K Hi, I just started a new job and enrolled into their trad 401K which is managed by Principal. Below are the funds available to me. I would like to replicate a VTI/VXUS allocation with a 65/35 ratio if at all possible. At this time, I’m thinking of: Principal Large Cap S&P 500 Principal Mid Cap S&P 400 Principal Small cap S&P 600 Principal Intl …

What age were you actually able to max out your 401k? I’m 25 and make 60k per year. I contribute 5% of my pay to 401k and my job matches 5%. I did just increase my contribution amount to 7% and will continue to raise 1% every time I get a raise/promotion but at what age were you actually able to max out? I do have a savings of $35k, and married with a mortgage and 2 kids so I obviously can’t affor…

I’m 17 and I want to learn more about investing and finances. If you guys could mention any good videos or books or even websites it would be greatly appreciated. I just want to be financially literate from a young age. submitted by /u/Zak_69420

Signed up with Primerica, what can I do? Hello everyone, I just signed up for Primerica this evening because my personal tax helper told me opening up a Roth IRA would be good since I wanted to start saving. She got me in contact with a sales person at Primerica today, and the whole conversation seemed off, however, I must admit that I’m pretty naive when it comes to savings, investing…

How can I build wealth at 18? Hey! I want to get ahead of the curve on my finances while I’m young to build wealth asap. I’m fortunate enough to be able to attend university next year which will hopefully land me a six figure job only a couple years after graduation. But for now… I want to grow as much as possible while I’m young. Would it be wise to buy index funds? I’m mak…

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Getting out of credit card debt I have been disabled since 2017. I worked here and there but my health issues always came back worse than ever so I would have to cut back on working. I started attending college online so I could at least be working towards something and got a WFH job June of last year. While I make a decent income now, I have probably close to $100,000 in deb…

Graduating Soon – Trying to Set Myself Up for Financial Success. Advice? Hey guys, I’m a 23-year-old male graduating this year. Right now, I make around $2,000/month, and my bills are pretty low at $185/month since I’m still in school. This summer, I’ll be starting a new job that pays around $3,300/month. I was young and dumb (still am, but trying to change that) and have $400 in credit card debt, but I’m paying it o…

Where to Invest Next for Retirement? Hi all, My husband and are both 39 and working corporate jobs. We want to set aside more this year to our retirement accounts as our income has increased by a good amount. We make too much to put it in a Roth IRA. Where should we put our money next? Currently we are: Maxing out one 401k Maxing out family HSA Putting in 5% company match into othe…

Should I keep my paid off car? I work from home. My husband and I each have our own car and he also drives a work vehicle so both cars mainly sit unused. We usually take my car out maybe once or twice a week to get grocery etc. Both cars are paid off. I work from home now and I am considering selling my car for $6,000 to pay off debt. (At least $50,000 total) We otherwise have minimal expense…

Total saved for retirement by 30 When people say that you should have one years salary worth of savings for retirement by 30, does your emergency fund and other money in your hysa count? Or are they just talking about money invested into things like roth and 401k? submitted by /u/bearjs

Debt management and finance management. My Fiance and i have some debts. Trying to figure out how to tackle it. My fiance has no retirement. We are trying to open a SEP IRA or 401k since she is self employed. We are trying to see what money should go where while saving for retirement. I make 140k/year and she makes around 70k/year as a 1099. Her Debt: HELOC: 8k at 8% (200/mo) (debati…

Question about 401k and death Let’s say you’ve invested a sizeable amount into your retirement account throughout your working adult life, and then you go to the doctor’s office one day and find out that you only have so long to live. You will not make it to age 65. Are you able to cash out your retirement accounts in order to make use of the funds? Since you are nearing end…

Looking for a budgeting app that is simple and effective I am looking for a budgeting app that i can use between my phone and laptop that is user friendly but will help me get my dmbudget squared away with the goal of being debt free in 2 years. I have some old debts to oay off as well as some current cards and loans. Any help is appreciated. submitted by /u/Actual_Animal_2168

Data Shows 70% of TikTok Shoppers Convert After Seeing Content via @sejournal, @MattGSouthern TikTok leads mobile spending with $6B in purchases as study shows 70% of platform shoppers convert after viewing content. The post Data Shows 70% of TikTok Shoppers Convert After Seeing Content appeared first on Search Engine Journal.