I’ve been unemployed for a year and a half now. Am I financially screwed? context: When i was 26 I moved from a small town to Dallas,TX back in 2022. I was working remote for a tech company. I was unexpectedly laid off in April of 2023. I was given a severance package and unemployment so I told my self stay in Dallas and try to find a job. I ended up signing a new lease for a year, telling my self that i would find so…

I own a house, but have no credit score. Hello everyone! I inherited a house worth $250k from a relative. I can’t get a loan on the house due to no credit history. I took care of said family member for 10 years. I was paid by them, but nothing to file a tax return on to build credit. Any ideas from anyone would be appreciated. I’ve been up this issue and down the other in my mind and I…

Trying to face reality in my 30s I messed up my life but was too proud to ask for help. I’ve basically been living in a fantasy world where I believed I’d come up with the right idea/get the right job/start the right business and make enough money to get out of debt and achieve my life goals. I just want to stop pretending and face reality. I’m 34yo making 26/hr. I’m in 93k stu…

Thinking of transferring 5k from savings into Roth IRA to max 2024 contributions For context, I’m 25. In 2024, I contributed around 2k into my Roth IRA. I know I should’ve done more but I was in the process of paying off some credit card debt. I now have my direct deposits set up to max it for 2025. I can’t afford to put an additional 5k by April in order to max 2024; however, I have 19k sitting in a HYSA right now. Biggest …

Retired Kept-Man Dad – How to Maximize End of Life Cash Flow? My 75 year old retired father is slowly becoming senile. He has no assets other than his brand new car. His primary expenses (housing and groceries) are covered by his wife, whose own assets are separate from him and in a trust. He has a business where he sells his art, but his art business is hitting it’s 2nd or 3rd year of not being profitable…

What to do with $3000 invested at 16 Hello everyone, I recently got a job and have been putting my entire paycheck into a fidelity youth account and been having a bit of fun investing in tech stocks and such. I even made 100% returns from my purchase of Nvidia shares a bit ago. But anyways after watching a couple of finance videos a lot of them were talking basically directly about…

Should I pay down mortgage or invest my savings? Hey everyone, Id love to get your thoughts on my financial situation. F, 30, Sydney – I have $105k sitting in my everyday account. I also have a mortgage with a balance of $520k at an interest rate of 6.1%. Right now, ive set up my account in a way that offsets some of the interest, so I’m only paying interest on $415k, which saves me ~$6,400 an…

TD Bank is unbelievably awful! It is shocking how poor their service is. I signed up for a high-yield savings account. A month later, My interest rate goes back down next to nothing. I call and ask why. They tell me it was no fault of my own and there was a de-linking on their end. It’s a bit concerning that a change is made to an account and they don’t know how. I speak to a…

I just received a letter from TSI over a debt I didn’t create. What do I do? As the title says, I owe TSI/Fedex $50. Here’s the thing. My two for one combo: I don’t use FedEx (nor do I have an account) and I’m on top of my finances… I have a spreadsheet that I practically update daily telling me about my assets, card points… you get the point! As a bonus, the letter was addressed to my alias. Definitely leads me to belie…

How to exit unwanted position in traditional IRA Context: I’ve recently stepped into trustee duties for a 90 year old relative. Their traditional IRA has roughly $1.3M. It was previously managed by a financial advisor who charged around 1% and had them in 20+ (overlapping and relatively high expense ratio) funds. I moved the account to a different brokerage and am simplifying their asset alloc…

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Retirement Planning at 50 I’m really struggling with trying to determine how much money we will *realistically* need in retirement. Any suggestions on our retirement strategy would be greatly appreciated. I (50M) am married with a SAH wife and 7 kids at home (age 10 – 17). I mention our family size because our expenses are currently high but I would expect to decrease in…

Paid full price for dental cleaning through HSA. Later I was reimbursed from dental insurance for a portion. Do I pay the HSA back? First of the year cleaning, and the dentist only submits the claim to the dental insurance company, but I am responsible for all costs up front. I paid the full $300 at the time of cleaning. I pay with my HSA card. They submit the claim. A month later, I have a check from the dental Company for $260 to cover the cost minus my $40 deductable. Do …

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I have 2k in a Roth IRA that I’m not actively using to invest. It’s just sitting. I have options… In no particular order of importance… Use to pay off remaining hospital debt from baby #1. (I’d have about $1k left over, but I will have more hospital debt in June after baby #2). Use to decrease CC debt. (I’d still have 3k to pay off). Wait till June after having baby #2, in case I need it for an emergency while on unpaid maternity leave…

Should I stay in my job for the tuition benefit I (26f) am currently working a job making $66,500. I am also about halfway through a part-time in an MBA program that my employer is paying half of (~$75,000 over 2.5 years) with no strings attached. My issue is my job is not connected to my current field of study (MBA) and I increasingly feel like I am not valued and in a dead end role. I have …

Does it make sense to ladder your TDFs in a 401k? I am 24F and fortunate to max out a 401k for two years already. My currently asset allocation is 85% index funds and 15% in TDF 2065. Recently, I saw that my plan added a TDF 2070 and it made me wonder if I should diversify the 15% allocation between 2065 and 2070 TDFs. The reason being is I don’t expect to need 100% of my retirement savings rig…

50k in debt at 42. Should I refinance my house or sell my investments to pay off the debt? I am 50k in debt through credit cards. The debt is on a LOC right now at 9%. How do I deal with the debt? Refinance my house? Sell off investments? Thanks submitted by /u/BasilikiZ

Bar Charged me $600 what are my next steps Hi all my wife and I each had 1 drink and shared a meal at a local sports bar. The tab was well under $50 I checked my statement a week later and saw a charge of $602 from that bar. I about had a heart attack. I immediately called my credit card company and put the dispute in. With hopes the bar would fix this and I could cancel the dispute and …

I filed my taxes on 4 different popular websites and here are the results. For reference I have an office job with a W-2 and made about $80k a year (gross) and my husband is self-employed and made about $60,000 (gross) and receives a 1099-K. We made $6,000 in estimated tax payments (on top of my tax withheld) for 2024, have a child and bought a home in 2024 that we also use as a home office. We usually always file join…