Right time to add private investments into our portfolio? 33yo married couple Current combined W2 income of ~380k annually (280 base plus 100 bonuses) in a medium COL state. Have about ~275k in IRAs, 100k in taxable accounts, and 75k in HYSA, plus a house with a low mortgage rate with 200k of equity mostly due to appreciation. Recent new jobs have increased salaries and should be on track to save ~20-2…

Roth IRA or 403B, which is more important? Hi, I am a person under 30y/o who makes about $150k/yr. I work with a lot of older individuals who are telling me different things in regard to which account I should focus on more. Could anyone explain the difference between Roth IRA and 403B like I’m 5. I am currently contributing 15% of every paycheck towards the 403B and nothing towards the …

I am struggling to survive day to day I work two jobs but because of some health problems I’ve had to limit my hours standing therefore my jobs have limited my hours. I make 14.50 at one job with 20-30 hrs a week and 15 at the other with 10-20 hours a week I owe my parents around 2,000 each due to them helping me with bills when id been out of a job. I try to pay them each 100 a mo…

Invest 20K- Thoughts on the portfolio? Hello, I’m (22) new to investing and I plan on being a long term hold investor, minimal effort. What would you recommend? Option1: Roth IRA ($14,000 Total 2024+2025): 40% VOO (Core U.S. Large-Cap Index) = $5,600 25% QQQM (Nasdaq 100) = $3,500 20% AVUV (Small-Cap Value) = $2,800 15% VXUS (International Developed) = $2,100 Brokerage Account (…

TikTok Trends 2025: The Most Important Trends To Watch via @sejournal, @theshelleywalsh Stay up-to-date with the latest TikTok trends in 2025. Learn how to spot and capitalize on viral memes to keep your content fresh and engaging. The post TikTok Trends 2025: The Most Important Trends To Watch appeared first on Search Engine Journal.

Need to change, I am insolent and irresponsible with money. Hi everyone First post here, I (24M) need a change in my financial life. To start with, I live at home with minimal outgoings, I pay a playstation pass, my car insurance, 41 pound internet and 200 pounds debt repayments Comes to around 300 pounds outgoings a month. I have no rent. I make £1850 per month. I can’t make it last me? I know how rid…

Mullenweg Criticizes WP Engine For Something He Also Does via @sejournal, @martinibuster Mullenweg criticized WP Engine’s 30 day notice cancellation policy. Apparently forgets his own hosting company does the same thing. The post Mullenweg Criticizes WP Engine For Something He Also Does appeared first on Search Engine Journal.

Car Stolen: Dealing with Insurance, Negative Equity, and a 7-Month Wait for a New Car—What Happens to My Loan?” Last week, my car was stolen, but thankfully I had comprehensive insurance. My insurance company is offering me $35,000 for the vehicle. However, my loan balance is $47,000, leaving me with $12,000 in negative equity. I also had the Vehicle Loss Privilege Program (VLPP) from my dealer (VW), which mentions that if I have negative equity on my loa…

27yo F in Australia looking to start journey of investing money… unsure where to start. Hi! I’m a 27yo F who has a steady job, earning around $1100 per week after tax. I work part time, so have the option of increasing my hours to earn more money, but I am comfortable with my work/life balance at the moment. My goals are to buy a property for my mum to live in, and to start purchasing investment properties. Ultimately, I want to be…

Traditional vs Roth for 25X expenses I think this is as pretty straightforward question, but I haven’t been able to find a clear answer. Say my annual spending estimate in retirement is X. I would want 25-30X saved. However, are there any multipliers I would use if that money is all Roth, traditional or general investment accounts? $2 million Roth seems like it goes farther than $2…

Where to stash my Emergency Fund? I was laid off 3 times during the COVID times so my risk tolerance went way down I keep about 27k in an emergency fund. Half I keep in a HYsA with 4% and half I keep at my main bank in a savings account. I’m Debating on taking about 10k out of the savings account to put in SGOV or something of the like so I can get some growth but I don’t have …

Use 457b to save for house I am fortunate to have a stable pension that will support me comfortably. I have the option to fund a 457b too. Should I use this as a way to save for a house? Will probably be 10-15 years before I am ready to purchase. Thanks! submitted by /u/AidofGator

I’m broke, and need suggestions on what my next moves should be. My income has slowed down to next to nothing. 1000-2000 a month now if I’m lucky. I’ve been applying anywhere I can. I got myself in a lot of debt repairing my house after a tree fell and ruined a lot of it. As well as living way beyond my means. After sitting down and calculating everything, before food my minimum monthly expenses are 6600 incl…

Roth withdrawal without knowing your contribution # Hello, for lots of reasons (including out dual pensions), my wife and I would rather liquidate our old ROTH accounts. We only invested in them for about 5 years and we haven’t touched them since ~2017. We don’t have statements or tax forms going back that far to figure out what our contributions were back then. The balances aren’t huge, but we f…

Is emergency fund of 9 months too much? Hi all, wanted to get some advice on emergency fund. I currently have about 9 months of my needs in a HYSA totaling $50k. Current APY OF 3.8%. This is based on approximately $5.6k of monthly needs: mortgage, utilities, gas, car insurance. For some additional context, I have no debt and invest about $5.8k each month. I feel good about my investme…

Advice on back taxes I’m self employed doing some occasional work in the gig industry and have not filed taxes since 2021. The accountants I was using just got insanely more expensive each year like over $1,000. Any advice on which services to use? Software programs? I’m located in California. I was dealing with some mental health issues affecting my ability to get …

How do taxes work on a partial withdrawal from investment? Let’s say I have 400K invested in the last 5 years 400K gains in a index fund. I want to withdraw $30K, can this be considered that I’m withdrawing money from original principle amount and I owe no taxes on it or is it considered investment income regardless and I have to pay long term gains tax on it? submitted by /u/ecfan

Wells Fargo more questionable and hidden behavior – Beneficiaries ToD If you have accounts with Wells Fargo (banking and brokerage) have you tried checking your POD (pass on Death), TOD (transfer on Death), or Beneficiaries designations. I know this sounds morbid put we should set these and check them periodically. I have tried to check 7 accounts spread between banking and brokerage (why do I have so many, I thi…

About to go to college, worried about finances Im 18M getting ready to go to college this year. Due to rigorous academics, sports, and clubs. I was only just able to get a job. I also don’t have a bank account just a Venmo card. This is, a little, discouraging for me, but as I’m finally starting my first job I want to be as prepared as possible. Does anyone have any advice on budgeting/lite…

Switching out of Amex gold: looking for alternatives Currently have Amex Gold and I feel it’s not worth the AF I paid for me, and looking for alternatives: Main reason of switching out: No attractive/worthy deals. Most of them are like spend $1000 and get $75 back like wtf? Despite spending the most on groceries/dine out, I feel I am not accumulating points fast enough to redeem them for somethin…