Guidance Request: 401K to IRA (Empower to ?) For the past 6 months I have been reading through posts related to a question that been running through my head: “What should I do with the $200k I have invested in my previous employers 401k – managed by Empower”? The 5 year Rate of return with Empower (1/8/2020 – 1/8/2025) is 8.98% annualized, and 53.72% cumulative. I assume this is not bad? …

Just graduated from college and got my first job. Looking for advice on what to do with left over income. (23M) Just got my first post grad job making 65k gross in a LCOL area (Besides my rent lol). I have roughly $1k-1.2k left over a month I’d say after student loans, rent, utilities, and food. I honestly don’t play to stay at this job longer than a year but I was curious if I should put any leftover income into a 401k, IRA, or HYSA. Unfortunately …

Investing biweekly/monthly or Lump Sum Hello! I’m new to investing and I just have a question. Should I save my money from my job this year and do a lump sum investment in January next year or should I just invest my money as soon as I get my paycheck which I get biweekly? Thank you for help! submitted by /u/MasterHunter45

Stop paying credit card debt for elderly parents? I recently learned that my partner’s parents have significant credit card debt across more than a dozen accounts (>$30k). They are nearly 80, on social security ($4k/month), have little additional income (part-time jobs that pay about $1000/month), have zero investments or retirement savings, and they have no saving account. Their apartment is $…

Trying to understand this chart my advisor provided showing my portfolio’s performance. Did I beat the market? https://i.imgur.com/kQiF5tK.png I asked my advisor for a report comparing my portfolio to the overall market or a benchmark index. I got a long PDF with lots of information, but I think this chart is really what I’m looking for. This was as of Nov 10th, 2024. I’m trying to understand how my portfolio stacks mainly against the S&P 500, which this…

Savings vs investing ratio Hi! I’m 26 and have a good amount of saving + investments. I have around 50% invested and 50% in savings. The investments consist of my 401k, Roth IRA, HSA, and personal investment accounts. The savings consist mostly of a high yield saving account and my checking account. My saving recently got to around 100k, and I’m wondering if I should star…

I am just starting to plan and save for retirement, but I am 61! Where do I start? All my life I did just enough to get by, I never had any savings, IRA or 401k or even life insurance. Now my life is changing on a dime. I am selling my business for $350,000 as a lump sum and they acquiring company is hiring me at double the salary I was making before (60k). Where to I start? I figure I should get an IRA and contribute to 401k…

Making big purchases while home shopping – impact on mortgage approval? We started looking for a house and got pre-approved for mortgages last week. After meeting with our realtor, she shared a packet of information which said not to make any big purchases. I’ve also now seen more of that advice online. The problem is, we have some big purchases that are rare for us already in motion (engagement ring, cruise, flight…

~60k cash. Where should I put it Hi, I have approx. ~60k sitting in my HYSA and I’m afraid I’m losing an opportunity to gain bigger interest on that money as of right now (3.99%). I do not own a home but am planning to buy in next 2-3 years and I have been saving up for a down payment. That being said I want to have a quick access to that money, if that makes sense. I do contri…

HDHP Plan with Kaiser – HSA Question I recently switched to an HDHP plan so that I can open a HSA. I am paying for it myself, not through my employer. I read somewhere that if it’s not through the employer, the health-insurance company may contribute a portion of my premium to my HSA. Is this true? Also, any recommendations for where to open an HSA? I anyways would like to do it be…

Signed up for Whole Life Insurance Policy. How bad am I being taken advantage of? I met with a financial advisor from Northwestern Mutual last July. I am relatively new to investing so I heard what he had to say. He put $115,000 in a mid level investment account. He had me max out my Roth IRAs. Then he had me signed up for Term 80 Life Insurance and Whole Life Insurance. The annual premium for the Term 80 is $328. However the…

How Rendering Affects SEO: Takeaways From Google’s Martin Splitt via @sejournal, @MattGSouthern Google’s Martin Splitt explains rendering strategies, their impact on SEO, and how to optimize websites for search engines. The post How Rendering Affects SEO: Takeaways From Google’s Martin Splitt appeared first on Search Engine Journal.

IRA / 401k do I combine? Hi all, I have an IRA with 100K+ in it that I converted from a 401K with a former employer. I now have a new employer and have started a new 401K that has a few thousand in it. Is there any benefit to merging the two accounts and bringing over funds from the old IRA to the new 401K? Any other tips or strategies are appreciated. Hi all, I have a …

$1k+ urgent care bill. What do I do? In March I went to an urgent care at a big hospital. They’re considered an urgent care and emergency room in one so my bill was over $1k for them to say it wasn’t anything more than a virus. I got a price breakdown and it’s still the same price. It’s gone to collections and I got a letter from a law firm but with me being unemployed I can’t affo…

Gut check on paying down mortgage to remove PMI We pay $80 a month towards PMI. We’re also approaching 80% LTV. We wanted to pursue a BPO to get it removed early, but our lender indicated that without “significant improvements” we’d actually need 75%. The alternative is to pay down the principal to get to 80%, which is about $4,000. Our interest rate is only about 3% so it feels crazy to pay …

Work changed 401K match from bi-weekly to annually. Seems like a shitty thing to do, but should I adjust anything with my 401k based on this? In the past, I’ve been trying to max my 401k throughout the year. The match would be between $4.5k-5.5k and be paid at the end of each year. Thanks for any feedback! submitted by /u/Gullible_Pen4056

Financial Advisor – Do I Need One Hi Guys, I’m wondering, at what point do you feel a financial advisor is needed. For some background, I’m 46 (if that matters), have a 401k, Roth, a little crypto, some savings, sell a few grand worth online every year, drive uber part time… I’ve always done my own taxes but this year it seems like they might be more involved. I don’t really …

20 and 4k in credit card debt I am aware this isn’t that much; I’m thankful for that but I want to get out of it asap. A few months ago I lived across the country wirh my ex, but then had to move out for tbe sake of my mental health (I was being abused) and live with my family again. Naturally, I lost my job there because I didnt live there. Had to ship my car across the co…

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How To Get Buy-In From Stakeholders Using Overlooked Soft Skills Overcome the challenges of getting buy-in for SEO projects. Learn key strategies to convince stakeholders and drive success. The post How To Get Buy-In From Stakeholders Using Overlooked Soft Skills appeared first on Search Engine Journal.