Using a Balance Transfer CC to avoid interest I’m about 2 years into my 5 year car loan with a remaining balance of $10,000. My monthly payment is $449/month with a 8.5% interest rate (astronomically high, I know). Simple math tells me that if I paid that for the next 36 months, it’ll cost me over $16,000. I’ve been thinking about using a balance transfer card with a 3% balance transfer fe…

HSA rollover purgatory – advice needed So as a good person, I have HSA with about 30k on it from previous employment. My current employer offers the same, with the same custodian wex. I got new wex hsa acount and put about 10k in there over last 2 years. Apparently the accounts cannot be merged. Fine. I ended up paying fee for having my old account. Now the current employer switched …

401k max first, then Roth IRA for early retirement? Roth IRAs are regarded highly for good reason. But in the case you are a high earner, why would you put any money into a Roth IRA instead of putting it all the retirement money you invested into the 401K? Because when you retire you will almost always be in a lower tax bracket (before SS even hits), and there are a few ways to withdraw from the …

Help me understand our Mega Backdoor Roth situation My wife is starting a new job, that has a 401k plan that (per my understanding) allows one a type of Mega Backdoor Roth contributions. Our personal financial/tax situation: We will both likely max out our (regular) 401k contributions and HSA contributions We will also max out our Roth IRAs (via backdoor Roth IRA. We have no other funds in non-R…

22 Y/O w/ 80k saved planning future Hey all, I have just around 80k saved up and my total gross salary is about 80k/yr. I max my Roth IRA and put 5% into my company 401k, and am matched another 3%. I live at home so have zero expenses except for my car which is negligible. 50k+ of my savings are in a money market account earning interest and the rest are invested into the vanguard…

Capital One paycheck Technical Issues Anyone else having issues with getting your direct deposit with capital one 360 checking right now? I was supposed to receive yesterday. submitted by /u/Secure_Mail1055

Emergency Fund Reason Just wanted to post a prime example of why emergency funds are important. This month, a great start to 2025, my wife and I have had issue after issue with our home, sept leach field leak, car battery of our only car died, and to top it off the pressure regulator valve to the main waterline to the house busted and created a small pond outside. Gr…

Does it ever make sense to lease a car vs buy if your intent is to own it long term (buy at lease end) ? I have always bought cars. Never leased before so I am less familiar. To me as I always looked at leasing as something for wealthier people. The obvious advantage is you always drive something newer. But you always have a payment and never truly own anything. So my intention is to buy a new car and I would plan to have it for many years. Obvious…

Do you usually sell your ESPP as soon as they land in your account? I was recently recommended that I sell my ESPP stocks if you don’t see a drastic increase. Any recommendations on what to do with ESPP? submitted by /u/PlentyFar7008

Am I doing alright for my age financially? Hello! I’m 26 years old and have right at about 20k to my name. I’m currently working a job where I make 40-45k a year. I know it’s not good to compare and I guess that’s not my intention. Just wondering if I’m doing alright financially for someone my age! TIA to any responses! Edit because I should have given more info 15k of the 20 is in a sav…

Tax Filing Software Megathread: A comprehensive list of tax filing resources Please use this thread to discuss various methods of filing taxes. This can include: Tax Software Recommendations (give detail as to why!) Tax Software Experiences Other Tax Filing Tools Experiences with Filing Manually Past Experiences using CPAs or other professionals Tax Filing Tips, Tricks, and Helpful Hints If you have any specific qu…

Common law married for the past 10+ years (Texas), but we filed our taxes as Single. Should we ammend our taxes for the past 2 years? My partner and I qualify as being married under Texas’s common law marriage, but we always filed our taxes as Single. Would it be worth it to ammend our taxes? I believe we can only go back 2 tax years (2023 & 2024). Would this be difficult? What, if any, “proof” would we need that we’ve been married in the eyes of Texas? We have joint accounts,…

1099-INT from a bank I don’t have an account with? Yesterday I got an envelope stating it had important tax information inside and when I opened it, it was a 1099 from Varo Bank, which I don’t have an account with, for exactly $30 of interest. Has anybody had something similar happen or know what this could be? I immediately thought identity theft but nothing looks suspicious in my credit report…

Would it be financially irresponsible to rent an apartment for $1350/month (including utilities) on a $45k/year income (single, no kids, new college grad)? My situation is somewhat unique in that I cannot and do not drive so need to be in a central location near my new job, transportation, and grocery stores. I am considering living in a 1BR apartment w/ no roommate and toured one for that price in my desired neighborhood (which is in a MCOL major city). It feels kind of…indulgent? But, I pay $1200…

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How Do I Start Learning About Stocks/Investing? (20) Hey everyone, I’m 20F, and I’ve been thinking about getting into investing, especially stocks. I’ve managed to save up $500 that I’d like to start with, but I don’t know much about how it all works. I know it’s risky, and I want to make smart choices, so I’m hoping to get some advice on how to get started. Here’s a bit about me and why I want to…

Google Causes Global SEO Tool Outages via @sejournal, @martinibuster Google triggers global outages at rank and keyword tracking services around the world The post Google Causes Global SEO Tool Outages appeared first on Search Engine Journal.

advice on what to do with inherited $30k as a 21 year old Hi I thought id ask here since I know so little. I inherited $38,500 and after paying off my car loan and my credit card (low, $500) and buying a new phone I’ll have about $29/30k left over. A little about me, Im 21M in school currently (no loans), I have zero other debt. credit score is 720. my plan is to become a property manager / assistant …

Parent w/Estate asked for Advice on sharing inheritance Hi everyone, My father passed away recently – leaving everything to my mom. Eventually, once mom passes my sibling and I will inherit the estate. Basically, my dad left enough where my mom will not have to ever worry about money again – and she asked me and my sibling about some ways that she could begin to pass down some of the inheritance to u…