Prioritizing Debt/Savings. I currently have $7600 in savings, owe $5600 on my car ($350/mo) and $6k in credit card debt. I make about $85k a year. I am dying to get my car paid off since it would free up $350/mo. I used to always focus on CC debt but then I realized my savings suffered greatly because of that and every time an unexpected expense came up I would uave to p…

Lowering insurance premium a good idea? I started paying my VUL since pandemic. Quarterly paying premiums. I have read some comments/articles about forfeiting their VUL and going for traditional insurance. The money saved from choosing traditional instead of VUL should invest to other financial instruments. Is it a good idea to lower/stop my VUL to have more investments. Please enlig…

Taking a new job – Not sure how to structure 401k & Roth I’m (M29) taking a new job at a firm that is a slight base salary pay cut to what I’m currently making, and it’s a fairly noticeable cut when comparing bonuses. For context – base now is $103k, new is $90k. Total comp in 2024 was $114k, new will be ~$100k. Why I took the new job with a pay cut and all that is not relevant. Work-life balance mat…

How would you handle retirement/investing without kids or family? So I’m 35 make 110k per year combined income. Bills are about 35% of that annually. My job is a gov job that I started 3.5yrs ago I have a pension through them. I have a 401k I contribute about 8% to that has maybe 30k in it in these 3.5yrs I’ve been with the company. My wife is a educator she has a state pension and she has a 401k with maybe …

I think I finally understand Backdoor Roth IRA and why everyone seems to constantly say you need to do it. Please anyone feel free to correct me! I (36M) am making this post as it has been hard to find things that aligned with my thoughts. I have spent a while trying to figure out if doing a backdoor roth is even worth it compared to dumping it in my normal brokerage account and it hadn’t really seemed worth it. I finally had the epiphany last night…

Planning for giving money and assets away I’m looking for advice on an easy way to plan my retirement fund. I have $22 million in escrow that I use to live on. My main interest is in giving this to people I care about and trust, but without making it a burden for them to care for am the assets I leave in their name. I’m looking for a general strategy. If it helps: $22 million is in esc…

Looking for some advice on a car sold on hire purchase garage covered defects Hi so I bought a car on hire purchase 3 weeks ago so out of the 14 day cooling off period. It was a bmw 120D and the garage sold it with aftermarket m performance decals on the sides which peeled after washing straight away so I had them removed and now found rust spots what the vinyl was covering Anyone know were I stand on sending this back ?…

Books to start finance Hey everyone, so i started reading a book and watching some videos about finance and it’s market, but i never learned anything about finance and i want to start it and do some exercises if its possible too, any suggestions on books I should start with? submitted by /u/BornRelative2070

Mullenweg & Automattic Sued in Class Action Filing Over WordPress Dispute via @sejournal, @martinibuster New legal filing alleges that Matt Mullenweg and Automattic disrupted WP Engine customers’ services The post Mullenweg & Automattic Sued in Class Action Filing Over WordPress Dispute appeared first on Search Engine Journal.

Local SEO Schema: A Complete Guide To Local Structured Data & Rich Results via @sejournal, @rio_seo Improve your local business’s visibility with schema. Learn how structured data can help search engines understand and showcase your website better. The post Local SEO Schema: A Complete Guide To Local Structured Data & Rich Results appeared first on Search Engine Journal.

Beyond Tools: A Google Ads Guide To Detecting And Preventing Click Fraud In Lead Generation Protect your marketing budget from click fraud scams. Learn how to detect and combat sophisticated click fraud tactics effectively in Google Ads. The post Beyond Tools: A Google Ads Guide To Detecting And Preventing Click Fraud In Lead Generation appeared first on Search Engine Journal.

LinkedIn Rolls Out Email Metrics For Newsletter Publishers via @sejournal, @MattGSouthern LinkedIn now offers email analytics for newsletters, providing data on email sends and open rates. The post LinkedIn Rolls Out Email Metrics For Newsletter Publishers appeared first on Search Engine Journal.

TikTok Ads Achieve Highest Short-Term ROI, Says Dentsu Study via @sejournal, @MattGSouthern Study finds TikTok ads yield strong short-term ROI, outperforming other channels for immediate sales. The post TikTok Ads Achieve Highest Short-Term ROI, Says Dentsu Study appeared first on Search Engine Journal.

WordCamp Asia: No Plans For WordPress In 5 Years via @sejournal, @martinibuster At WordCamp Asia 2025 Q&A, Matt Mullenweg struggled to answer where WordPress will be in five years The post WordCamp Asia: No Plans For WordPress In 5 Years appeared first on Search Engine Journal.

Any Benefit to Not Cashing Out Inhereited IRA with Req. RMDs? Ive been researching this and i can’t find a reason not to just start the process and start cashing this out over the next few years and paying my taxes on it. Is there anything I’m not thinking of where it would benefit me to slow play this? I inherited an IRA in mid December of 2023 and started freaking out. I had just enough time to research…

Where to allocate bonus ? Hi everyone. I’m expecting a bonus of 7.9k pre tax. So I’m guessing it will be closer to 4.2k post tax. I’m not sure where to allocate the money to. Should I pay down debt below ? I’m also saving for a wedding next year and this is about 1/4 of my budget I plant to save. Any help would be greatly appreciated. Credit Card Debt: 7.3k (no APR unti…

401k to rollover ira I have a 401k from an old employer through T. Rowe Price. I have the hardest time trying to understand what anything means involving retirement and investment accounts. I just don’t get it and it’s incredibly frustrating because all I want is to simply move my old 401k to a rollover IRA account. I don’t want to use the institution (USI consultin…

Am I being ripped off by being pushed into a Whole Life insurance plan? Hi y’all, I’m very very new to getting a hold of my finances and I’m pretty sure I’m being taken advantage of here but I want to be sure. My friend asked me to take her bf up as a financial advisor some time ago and while he gave some good advice (explaining the concept of FDIC insured accounts, Health Savings Accounts, Disability Insurance etc…

When Does “House Poor” No Longer Matter? The general guideline is that you shouldn’t spend more than 30% of your income on rent or a mortgage. But that assumes that all of your other expenses increase proportionately as your income increases. Lifestyle creep is real, but someone making $120K per year doesn’t necessarily have 2x the expenses as someone making $60K per year. Is there a c…

Is it worth freezing credit if I am a former international student in America I was an international student in America in the past, and now I am back in my home country. I was a grad student and received a SSN for working at the school. I don’t know if that number is still active or anything. Also, I have an American bank account and credit card from those days, and still use them for online purchases from time to time. …