Company not offering 401k 22m, I am 6 months into working full-time after graduating last spring. I have an SDR role at a small-tech startup. I am not offered a 401k from my employer. What is the best way to invest the money that I would have invested directly from my paycheck if I had the option to with a company 401k? I just opened a Roth IRA with Fidelity, and will st…

How exactly do FZROX and FZILX work? I know how ETFs work, but don’t understand how mutual funds like FZROX and FZILX work. The price per share as of now for FZROX is $21.23 and for FZILX is $12.17 per share? Why are the price per share so low for these compared to VTI and VXUS? How does selling and buying shares of funds like FZROX and FZILX work is it same as ETFs? submitte…

Am I dumb to move out at 18? Hi everyone, I’ll try to keep it brief and I apologize if this isn’t the best place to post this. I’m 18 with a great family and great home. I’m a full time student but also have a pretty decent paying job (great savings/investments building up) with a lot of upward mobility. I’d also probably be able to work remotely 6-8 months from now with th…

Reconciling/maxing out HSA that has not been put to good use Seeking advice on how to maximize HSA after not making good use of it for a couple years. Started work Jan 2022 and had HSA since I started working. I have never contributed a single dollar to it yet. Please don’t ask why or criticize – the past few years have been rough for me and I didn’t do the research I should have. Just seeking advice on w…

Tax preparer overcharging? $4000 so far for 2024 without even sending most docs yet My boss recommended that I use the tax guy he uses, who also does taxes for the company. I’m now a 1099 and do quarterly payments. My wife is a W-2, plus a 1099 side gig. I have a few stocks, and we own a house (paying mortgage), which I didn’t think was super complicated. When we signed an agreement we were under the impression that taxes would…

I’m looking to refinance my car loan, wondering how long I should wait? For some backstory, my car broke down late December last year so I had to get a new car asap. I did not have a FICO score at the time (new credit) so I got saddled using westlake. The car was $8900, 2015 Mazda. I put 4,000 down and my apr is 28.99. Super high I know, but it was the only bank willing to finance with me. I have the registration in…

Do i pay off my debt or save?? For background context i’m 19 years old from Missouri. I have $15500 in savings after just under 2 years of working as a 911 operator, I still live with my parents so i only have my own personal expenses and my truck payment. I have a 2014 Chevy Silverado that i currently owe $11,411 on. I also am wanting to move out sometime this year, Preferab…

What can I do now to reach my goals at retirement? I’m a new government employee working in law enforcement. I currently have 20k in student loan debt, a vehicle that will be paid off within the next year and married with young children. My goal is to be able to retire debt free, buy or build my dream home and be able to travel. What steps can I take now as far as savings, investments and best o…

What is the best use for extra income from gigs other than saving it ? I’ve made a few thousand from gigs every year, let’s say 5K-6K USD, other than just saving it, what other options do I have that can put me in a slightly better financial situation. It’s not really a lot to invest and my previous business ventures have always failed. What can I do with the extra income other than paying bills and saving it ? …

Should I keep looking for a job or find a cheaper place to stay? So I lost my last job and I’m struggling to afford my apartment. I’m looking for work and a lot of the jobs I’m looking at will only pay about $2600/month and the apartment is 2100 a month. I live in the northeast so the rent is absolutely ridiculous. I feel absolutely strangled. I used to live at home with my mom but she died and my brother wan…

1099 Trucker tax question I’ve been an owner operator since 2018 and soon my truck will be paid off. My question is since my truck lost all its depreciation, can i switch to mileage and claim that on taxes instead of the low truck payments i have left? submitted by /u/ambushiz

How did Shein get my bank details? I was on my online banking app and seen there wad a charge to Shein. Then 4 days later Shein had refunded the money back into my account. I’ve never used Shein before. I asked my wife if she had used my bank card or bought something from my phone (google has my card details) but she as confirmed that she hadn’t purchased anything. submitted …

$70K Tax Capital Loss Hi everyone – I have accumulated ~$70K worth of capital losses through a tax managed account and from the market drawdown in 2022. My question to you is how do you recommend I use my tax losses? What I have done for last two tax years is use the $3K deduction towards my income but wonder if I should be putting the rest of the loss to use by sell…

Is it realistic to save ~700€/month as a truck driver? Hi, so just before starting off, I’m sorry if this sounds stupid, but I’m only 17 and I have basically no experience with budgeting yet. So anyways, here’s my situation. In August I’ll be done with regular school and I’ll start my training as a truck driver (I’ll be 18 by then, not really relevant though), where for three years I’ll repeat the c…

Should I move/Can I afford rent? Hey! So my roommate told me the second week of January she’s moving out. I’m now stuck paying rent alone with a month notice. $900 a month plus gas and electric (around $200+ a month). I make about $700 a week sometimes more if I work overtime. I don’t have a car payment but my car insurance is about $250 a month since I got in an accident. Do y…

Comparing different places in the cost of living What is the best indicator, of the overall average cost of living in a certain country, or location, that can be used to compare the cost of living in different places, or countries? submitted by /u/WelcomeConscious588

Life Insurance Policy Question If mom passed and left a life insurance policy, but didn’t list all the children as beneficiaries, but left a video will saying everything left will be split between her children. Can the only person listed on the life insurance policy get away with taking the whole policy? I was a minor/ orphan after mom passed. Older half sister might have s…

Pay got cut and groceries are way too expensive. How should I budget? My income recently got slashed, and now I’m struggling to keep up to provide for my family. After rent and bills, I have to make everything else work with what’s left, but groceries feel impossible. I’ve tried cutting costs. Buying in bulk, meal planning, skipping extras but prices are still brutal. Would love any budgeting tips that actually wo…

New parents- life insurance? My husband & I are 30 and 34, married for a year & just gave birth to our first child. We want to enroll in life insurance, but we are a bit overwhelmed with all the different options and terms. We are both healthy, mid level career & want to ensure that we can take care of our son and have some financial leverage from our policy. We are leaning…

Options to withdraw money from 401k if I have to leave the US. I have been living in the US for the past five years on a F1 visa. I have been working full time 3 of those 5 years. I maxed out my 401k contributions for those three years and I am on track to do so this year as well. My visa expires later this year. I have a chance at a work visa and my employer is sponsoring but I am not sure if it will get p…