I can’t keep up with my peers, single, Should I start investing? I’m 32 and I really want more disposable income! Some of my friends are traveling internationally multiple times a year, but they are also dual income. Pretty all of them own homes, one got help from his parents though. I don’t have a partner in sight and I’m going better than my family so here’s my specs: Full-time job: $95k Business: Made 2…

How should I be thinking about earthquake insurance? (USA) I live in the Pacific Northwest, in an area at moderate to severe risk of damage in the event of a Cascadia Subduction Zone slip. My mortgage lender doesn’t require earthquake insurance, but obviously I don’t want to be financially ruined if The Big One hits and knocks my home down or off its foundation (I plan to get a retrofit done when I’m ab…

18 year old with no clue about money or how to save Never really had much personal money growing up and I knew how to ration when I needed to. Fast forward to now , im 18 years old, a university student who gets student funding and is due to start working this month and Ive realised I have no clue about how to save or about Isa accounts etc and im so embarrassed I have zero in savings as I spent…

I suck at money and need to learn I’ve got CC debt and student loans, altogether about $60,300. I’m awful and so so dumb when it comes to money and this year will be the year I finally take the reins on my finances. I know I need to start budgeting first of all. I’m so overwhelmed by all the jargon and what not and don’t know where to begin. Where do I start? Which books/website…

My 54 year old dad has 0$ saved for retirement Yeah, so my dad drives for Uber full time. He did a great job saving for college for me and my brother, but he has little savings for his retirement and no investments. Should I have him open a Roth ira and advise him to invest aggressively in the S&P 500? I don’t want him to keep working for the rest of his life. Any advice would be greatly app…

Fraud Accusation…From ME? Has anyone ever heard of this before? I recently went to pay at a restaurant using my Apple Pay and my Wells Fargo card was suddenly gone from my Apple Pay. I paid with cash, tried to add my card back onto my account and it said unavailable. I then called Wells Fargo, where they stated that I had called a few days ago, reported fraud on my accou…

what should my next goal be? hi all! i’m 22 and have just hit my goal for getting my emergency savings in my HYSA to 10k and am wondering what i should do next. currently, i’m putting 5% of my paycheck into my 401k which my job matches to get a total of 10%. i also have a personal ROTH IRA that i put $25 into every month and my parents match me, putting in a total of $50 a …

Best way to get out of my debt Hello everyone, male 21 years old, I’m stuck on how I should go about getting rid of my debt. It may not be as high as others but to me it feels like it’s over. I bought my first car April of 2023 and paid it $14k in cash and I was left with empty pockets and resulted to using credit cards for a bit and making bad decisions. I have a Chase sapph…

Should I buy a house if am leaving Canada in 8 years? I am planning to move back to my home country in about 8 years. I am in a position to buy a small house, but am contemplating if I should do that or not. Should I consider it as an investment till am here or should I use this money to invest elsewhere? submitted by /u/HakunaMatata_lol

Credit report help please tia Hi, I’m unsure how to go about this but my credit report showed I had 3 unauthorized inquiry, soft and hard inquiry per experian saying…I read some post to just freeze my account and check constantly and to not dispute it?? I’m confused what to do here …. I’m scared of a loan can be possibly taken out 🥲 pls help.. submitted by /u/Large_P…

I ordered an item worth $2K, but it was never delivered. The seller refused to refund, the chargeback had to be reopened. Any advice? I ordered an expensive item ($2K) from a well-known merchant located in Canada. The package never arrived, and I contacted the merchant like 20 times, but they were giving me the runaround and in the end, they just told me that I should deal with UPS and that they wouldn’t refund me. For one thing, I’m not the client of UPS – the merchant is. Fo…

Letter from debt collector for around $7800 in debt Hi everyone! I was recently sent a letter in the mail from Northstar Location Services attempting to collect a payment of $3700 for the original $7800 debt from discover. They gave me until the end of December to pay, but due to being in a very rough financial situation I can’t afford to pay that. Any advice for a situation like this? I don’t kn…

Check stolen out of the mail, duplicated, and cashed. Bank will not help. A family member mailed a check to the IRS for tax payments. The check cleared, but the check image shows a different recipient. The bank says what likely happened was that it was stolen out of the mail, duplicated with a different name, and cashed or deposited for more than 50k. They confirmed it was cashed or deposited at a Wells Fargo. Howeve…

How should I help my mom manger her meager savings? Long story short: My (33F) mom (72F) is bad with money and has about $100K in savings that came from her inheritance from my grandparents. That’s it. She stands to receive another $30-50K when their house, where my mom currently lives, is sold later this year. She’ll also have to move out at that point. She still works part-time (makes about $35…

Credit card debt questions I have 10k in credit card debt. I pay way over the minimum due but not the statement balance on all my cards. I have about 8k in my Acorns account and am thinking about withdrawing it to pay off my cards and not be as in debt. I guess my question is what would you do? Would you pay it off and lose some of your savings, consolidate onto a lower …

Should I use savings to lower debt? Feeling pretty stupid over the years. I’ve usually been great with money ever since I started working. I got a credit card when I was 18 and always paid the balance down. Then the line just kept increasing, I got carried away, and now I’m with debt. It’s about $9,700. I put more than the minimum payment down every month but I feel like it doesn’…

Offered dream job but feel obliged to stay at current company I have been in my first role out of college for almost a year now (1 year will be at end of this month). I like my role but the company is very short staffed so we are always working overtime, but my manager is very kind and has really looked after me in my time here. I happened to stumble upon a job posting at my dream company in basically the …

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smartest way to take in bonus check Getting a $9,000 profit sharing bonus, I can allocate it to HSA, 401k and take the rest out as cash. Cash poor after home purchase, So I want more of it as cash, to build up cash/emergency savings while reducing taxable income as much as possible. What would you contribute to 401K and HSA? submitted by /u/vfr1200_

Income planner/budget/bill planner? Is there a budget calendar out there? Something I can enter our monthly expenses, pay dates/pay amounts and it will break down what to pay and when? Preferably free if possible submitted by /u/neonwatermelon