2024 Roth IRA Contribution Hey everyone, I have a seemingly simple question. I just opened a Roth IRA this month (January 2025). Is it an option to contribute to a 2024 Roth if I didn’t have one in 2024? I’m just hopping on the train with all this and I would love to get another year of investment if I still can. Thank you! submitted by /u/Brestess

Hi! I have a quick question using current HSA accounts to pay old medical bills. I have a HSA account with some leftover money in it for 2024 (as well as an active one for 2025). I know that I have to use the money in the 2024 account before mid-March. I recently received a bill from a doctor I haven’t seen in a few years, billing me for two co-pays for visits back in 2022. I found evidence that one was paid (and I will call…

Advice needed: switching from an overdraft to a personal loan Hi everyone, Six years ago, I took out a €20,000 student overdraft with an Italian bank (Intesa Sanpaolo). The repayment is due this June, and I’m planning to cover it with a personal loan. Here’s my situation: I’ve used almost the entire overdraft, and with accrued interest, the total amount to repay is €20,503. Intesa Sanpaolo offers former s…

The One Thing SEO Agencies Need To Know About Winning Enterprise Clients via @sejournal, @danielkcheung Winning enterprise SEO clients isn’t just about technical brilliance – it’s about understanding their planning cycles, building trust, and aligning with their priorities. The post The One Thing SEO Agencies Need To Know About Winning Enterprise Clients appeared first on Search Engine Journal.

Right Of Offset, What Now? Hey Ya’ll. So in September I realized I was in a credit card debt hole. I joined freedom debt relief and have been making my payments, but today I found out about Right Of Offset when I checked my bank account and saw that my bank had taken half my savings to pay my CC with them. I didn’t know this was a thing, I plan to change banks in the morn…

Mullenweg Says Lawsuits Could End WordPress via @sejournal, @martinibuster WordPress co-founder speculates that lawsuit could end with closure of WordPress The post Mullenweg Says Lawsuits Could End WordPress appeared first on Search Engine Journal.

What happens with my late grandfather’s loan? My grandfather took out a loan to finance solar panels for my mom’s house in 2018. She was told (by the sales person I assume) that if it was in his name and then he passed away, we would not be on the hook for the loan. He passed away in November and my mom reported his death to the lenders. They never confirmed receipt of this, and today she …

Chase card opened when I was about 11 years old that I just discovered recently.. it’s not mine though. I couple years ago I made an account on credit karma to start monitoring my credit and building it. Once I put my information in, it shows me that I have a chase bank card that was opened in 2011… like when I was 11 or 12. I have asked several family members and no one has owned a chase bank card before. The credit card is being paid monthly, n…

VOO vs Managed Account 35M. Previously was only invested in real estate. Sold some properties and want to invest the profits. Max my 401k and Roth every year. Am I better off investing in VOO or going with a managed account through Charles Schwab? submitted by /u/Stickman725

buyers remorse on a used car i needed a newer car asap because my last car was messing up and the repairs weren’t worth the cost. I got a 10.79% apr on a 24k car loan. This happened yesterday and i haven’t been able to sleep because im regretting everything. I feel so defeated and depressed because I felt pressured to make the deal. My mom was with me and told me it was wor…

Paying off medical debt or making monthly payments? I am soon set to potentially have around $10k in medical debt from having a baby and am curious what you all think – paying it off or making monthly payments? Right now, our savings is in a certificate earning 5% annually. We have more than enough to pay for it in full – established savings fund and then some My partner wants to just pay it of…

My father passed away while on vacation abroad last month… what do I do after returning back to the states? My dad died while on vacation to Vietnam last month, I had to go there to settle his affairs and now I’m back in the states. I know he has a will and a trust that him and my mom drafted up a few years ago. They are divorced now but they have multiple rental properties (2 in CA, 2 in MA) that they own where they split the money. I live in NH and …

Large owned home vs. Buying smaller more manageable home I (42F) inherited a 7 bed/3 bath home when my parents passed away. My husband (34m) and I had moved in with them when my mom got terminal cancer, so I could take care of her. Now that they’re gone, the house is in my name, with the stipulation that if I ever sell it, the money from the sale has to be split evenly between the grandkids (6 in tota…

What is Your Advice to A Struggling Student Currently I’m 19, I’d like some advice please on how to become financially stable and be able to provide for my dad. Currently I’m struggling to pay my college tuition and I need a plan B. What’s your experience with a rough patch and how do you recommend I overcome it from a financially healthier (rich/financially stable) perspective? At this p…

Help parents pay for mortgage or save up? Some context: I make around 130K in a HCOL area. I have around 50k in a high-yield savings account. No spouse and little debt. I save 1k monthly into the savings account (saving towards home downpayment). My parents live in another state and are still working, but are hoping they can retire in 5-10 years. They live in our family home; they are c…

Convince me to stop saving so hard and live my life Does anyone else struggle with only saving 15-20%? I’m fortunate enough to be in a position where I can max my 401(k), max my HSA, and save a little in my kids’ 529s, but in doing so my budget is artificially tight and stresses me out. For example, I was invited to go on a trip in March that should cost around $3,000. I’m not exactly flush with …

Is there a checklist of what sources I should be waiting on tax forms from? This year I really diversified my finances, and I don’t want to get over-excited doing my tax return only to get a form a few days later. Is there a good list somewhere of what forms I should be collecting before doing my taxes? For example, I know I need to wait for 1099-INT or 1099-DIV forms from brokerages or banks, I’ll obviously need my W2….

I owe 18k to the IRS Because I’m an idiot and have been doing my taxes wrong for 5 years. To be clear I’m not trying to get out of this. I realize I made a mistake and it’s my responsibility to fix it, I just want to do that in the smartest way possible. Also, I wasn’t partying with this money, I was paying on my student loans. I don’t think I can qualify for an of…

Continue renting or purchase at 7%? I fully acknowledge no one can know the future here for the question I’m about to ask. Joint income: ~$350,000 Daycare: -$25,000 (ends in less than a year) No debt or loans. High Yield Savings: $270,000.00 Taxable Investments: $260,000.00 Retirement: $660,000.00 I’m 39, wife is 37, kid is 5. We’re renting, we’d like a house, and frankly, the mor…

Should I help my mother delay foreclosure to get a reverse mortgage (first post)? This is as much a relationship as personal finance question but I need some insight into what my mother’s options are. My mother (71F) who is married is suddenly unable to work as the result of an accident. Household monthly income is ~5.1K (SS and VA pension). The monthly mortgage payment is 5.4K. The original loan amount in 1992 was ~250K but …