401k help. T. Rowe question… Hello smart people of Reddit. I have a company 401k that I have had an autopilot essentially. I contribute 15% (10% 401k, 5% Roth). Company match 100% for first 3% then 50% for 4 and 5% so essentially 4% match if I contribute over 5% total. I really don’t know much about these systems but I notice I keep loosing some, the growth is poor and I f…

Empty nesters going down to one car Currently, my wife and I each have a car. My wife is retired, but very active in community activities in our little Midwestern county seat down, and I am working from home, while in the middle of a one-year retirement program. Occasionally I need to drive for work, but generally no more than 15 miles from my home. During a COVID-related supply c…

Fraudulent Charges on card never used I was wondering if anyone can explain how this happens because the bank is absolutely useless. We opened an account for our son that we use to put money away for him for when he turns 18 to use for a car or studies, etc. I transfer money into the account every month. Since he is a minor, the account is in his name but linked to my banking profi…

Capital One 360 – class action law suit ??? I’ll keep this short, since others share my loss. I am devastated to find out that my Capital One 360 high yield savings account was a bait and switch and I have unknowingly been receiving absurdly low interests rates for almost a decade. I see there is a class action lawsuit underway. https://www.wolfpopper.com/cases-investigations/capital-one-…

TikTok ‘What’s Next’ Report: 10 Takeaways For Marketers via @sejournal, @MattGSouthern TikTok’s “What’s Next” report reveals key trends shaping social media marketing in 2025. The post TikTok ‘What’s Next’ Report: 10 Takeaways For Marketers appeared first on Search Engine Journal.

Ask An SEO: What To Do When Your SEO Formula Doesn’t Work? via @sejournal, @rollerblader Learn why a one-size-fits-all SEO approach doesn’t work and find out how to tailor your strategy for niche markets to enhance search visibility. The post Ask An SEO: What To Do When Your SEO Formula Doesn’t Work? appeared first on Search Engine Journal.

An LA Wildfire Victim Seeking Feedback Hey everyone! We are very early into this journey, but I wanted to reach out and get some feedback here as we start what is sure to be a very long and stressful process. Our house was recently lost in the wildfires ravaging Los Angeles. We are currently out of town for work, so we are safe, but are heartbroken for our friends and neighbors. I’m…

Seeking advice regarding retirement/saving My husband (60) and I (56) are in a pickle. We have only been married 2 1/2 years. I have a 401k with $66,000. My husband used to have a pension but had to cash it out a few years ago to hold off foreclosure on his home. His current job does not offer a retirement plan. We lived in his home together for 1 year, then sold it and bought another sm…

What is the highest priority for budgeting when paying off debts while also saving/investing? Hi, I am 22 F and I just got a promotion at my company and with the new year I want to take control of my finances. I am one year out of college for my BA. I will break down my expenses and salary roughly. I live with my bf of 3.5 years and my parents still pay for some of my Health and car insurance so that helps as well and my bf makes a littl…

Must I pay taxes on Backdoor Roth IRA if Trad IRA was funded with after-tax dollars? Early 50s, earning over the max for regular Roth IRA, but trying to add to retirement funds. I’m maxing out yearly contributions to my 401k (employer also matches 4%), and I’m looking to put more money away for retirement in the most beneficial way. I don’t have any IRA at the moment. So, I was considering doing Backdoor Roth. My understanding:…

Roth IRA or Backdoor Roth? Currently I make under the Roth IRA max income limit. But later on in the year, around October, my fiancé and I will be getting married and our combined income will be in the “reduced amount” Roth IRA contribution group and we’re planning on filing jointly. The reduced Roth contribution should come out to $5600 for our incomes jointly. I’m think…

Job Application Scam disbelief I thought I was smarter than I am apparently. Things have been down on my luck, car breaks down, I live 30 hours away from my support system. I’m a senior student at university. I need a job pretty badly, I have been applying on Indeed like crazy and I got very close to being scammed. I applied for a job on indeed on December 31st. I received a…

Taking time off work to take care of kid. What to do with 401k? I used to work a very good job. Two weeks ago my 5 month old was diagnosed and I needed to quit work for at least the next year to take care of him. I do plan on returning to work. What do I do with my 401k? submitted by /u/Historical_Call_3515

Save money by working remotely while residing in an area with low living costs? Hello! I am exploring the option of working remotely while living in an area with cheaper living cost. However, finding a job on the basis that I must be able to work remotely narrowed things down drastically, and it’s even harder given my background in chemistry/pharmacy doesn’t allow me to work in fields where remote work is more easily accept…

Debt noob – which would you do? I’m contemplating taking out a personal loan from my credit union to pay off a long-standing credit card balance that I racked up as an idiot before settling in my career. My options are basically a 3-year scheme with interest X, or a 4-year one with 2X but leaves a better cushion in terms of per-month owed payment. Both situations are roughly …

what happens to a brokerage account if primary beneficiary is deceased and there are no contingent beneficiaries My uncle recently died and we are sorting through his estate. Each and every account he had has been in a different state. It’s overwhelming! Anyway, he has no spouse, never been married and no children. My dad and my aunt are the only living siblings. My uncle who recently died lived with my dad. My uncle had a $200k brokerage account where t…

How much should I save before moving out of my parents house? 24M currently working 2 part-time jobs with about $7k saved up atm. With seemingly no entry-level opportunities around me for the degree I have in marketing, is this enough to start looking for jobs out of state? Obviously wouldn’t be moving anywhere before I got a full-time job lined up but just wondering if this is a realistic amount to begin …

Bar double charged me and won’t respond to communication. Should I do a charge back? UPDATE: All good now. Not sure why it took a few days of radio silence, but they just emailed to apologize and said they refunded. I went to a bar last week, and had a beer while I waited for my friend. I gave the bartender my card to open a tab. My buddy ended up joining a few minutes later and also got a drink. We chatted with the bartender f…

Is it “safe” to reduce 401k contributions for a few years to accomodate mortgage payments on a forever home? Wife and I are looking to move into a more permanent condo. Current place is a 1 bed, but with a potential kid coming, we’d like at least 2 bedrooms, ideally 3. We make a combined $220k a year, give or take. However, that includes a bonus payment for me, but it is one that I’ve received every year I’ve worked for my company in the full amount. S…

Should I contribute to my 401k if my employer doesn’t do matching? I’ve never started a 401k because I’ve only had short term contract jobs that didn’t offer any benefits. Now I have a full time job with benefits, except the company doesn’t do 401k matching; the cool part is that they do HSA matching, for what’s worth. I have my own Roth IRA, so my question is if I should also contribute to my 401k just in case…