Looking for a Goal Savings App or Platform I am really getting into perfecting my budgeting and savings. I have been using Ynab for teaching myself to keep a consistent budget every month but I don’t like this style for savings. I have two savings and emergency savings and fun savings. Specifically for the fun savings I’ve realized I’m less of a have this pot of extra money ie $500 to sp…

Can I make enough money to live on? I am a nurse and work in homecare. My 2 boys get survivor benefits the last of benefits only till this June. My husband died of cancer when I was pregnant. Looking into getting a second job as a nurse. I am terrified of the future losing that money. My boys are trying hard to get jobs no luck being told by employers when they turn 18 this May. T…

Should I work as much overtime as I can to pay off debt? The only debt I have is student loans at $50K. I’m coming to realize I’m gonna have to pay these off, and sooner rather than later is better because of accruing interest. I think the best way for me to earn more money, is just by putting more hours in. It sucks, that I’m basically renting out my body to my employer for a wage, but that’s what I’…

Money allocations help 27M (if this matters) TSP:29,046.18(invested but no longer have a government job so no more personal contributions flowing in) 401k:8,081.40(invested) HSA:3,227.86 (2100 invested) Checking’s: 61,161.02 HYSA:41,957.64 (4.5%) Should I transfer my TSP to my 401k, or to a new ROTH IRA or just leave it. Should I transfer more from checking into my HY…

Company Car, Salary sacrifice or any other suggestions? Ok so I work as a recruitment consultant, for a friends business at 60% commission of all fee’s generated. I have had a good couple years £100k+ each year in my personal commission pot that I decide when and how I’d like to take it. Usually a couple large lump sums then regular £2.3k/mo keeping me at 20% tax band around 50k annually, the rest di…

What kind of a jump in salary is worth uprooting family? Currently live in a very HCOL area making 105k. My parents live nearby and help a lot, and my toddler has a great routine with my spouse. We are living paycheck to paycheck, renting a 2bd/1bath. We love our little hub we’ve created, close to nature, and my kid will start preschool in summer. I am in the interview process for another company whi…

Early Career Change? Hi All, I graduated a year ago, and am now working in my studied field. Unfortunately I don’t enjoy the job and am wanting a change. I ended up finishing university with little to no debt, and am on a decent wage as a graduate, with a great earning potential in the future – therefore am set up decently well. Would it be stupid of me to take ou…

Is it smarter to pay off all my debt and get left with no savings? Or should I pay off majority of my debt and put 1K in savings? I am getting a huge refund this year. That covers all of my debt exactly. I have two credit cards with a high balance. I also have a auto loan still open. That gap insurance never covered that I’m planning to pay off. (It was denied before yall ask) I have been having this credit card debt for years already, and I would like to get it over with…

Equity Wash in 457 plan I am planning to move my 457 plan funds from a Stable Value fund to a Money Market Fund within my plan. I was told before I could do that, I would have to invest back into the market for 90 days. I basically am looking to keep the funds in something conservative and really don’t like the idea of possibly losing it again in the market for 3 month…

Stop 401k contribution? I am 39 yo with a wife and kid. I have basically maxed out contributing to my 401k since I graduated 15 years ago. The current ballance is $750,000. My living expenses are about to get significantly higher. Should I stop contributing to 401k? With normal economy, will my current investment of $750,000 accumulate enough to have a comfortable reti…

I got laid off and I don’t know how I will support my fiance through grad school Woke up Monday to the news myself and most of my co-workers were being laid off. I knew the writing was on the wall but I didn’t expect it to be so soon. I’m a marketing guy but I had been thinking of making a jump to the trades and now I’m kinda being forced to make that decision from a less advantaged position. I live in an apartment with my f…

We had $32,454 in out of pocket medical expenses in 2024. Unable to deduct this from our taxes Quick background – We went through a round of IVF. None of this is covered by insurance. We have receipts for all the expenses. I am filing taxes via FreeTaxUSA. When I fill in the medical expenses section in FreeTaxUSA, I entered the said amount as you can see here – https://ibb.co/hxtc8WT8 Here is the summary of deductions – https://ibb.co…

My brother totaled his car… Smashed it into a stonewall during snowstorm in single car accident. Has full collision insurance. Insurance is offering $14840 and he owes $16700. If he settles for 14840, who does insurance company send the money to, him or the lender? If he gets it, he’ll just go buy another car for about 14000 and continue paying the original 16700 loan. …

Any ideas for small earnings but helping people ? Any ideas for how I can help people with my time, not money, to earn just a little

Reported CC fraud, but I have the shipping address and name they tried to send stuff to On Thursday I noticed on my phone that all of the sudden in rapid succession there were 5 orders all of around $60-$100 on my Capital One card. All at sporting goods stores, one of those being Cabela’s. I reported it immediately and they shut down my card and charged back all the retailers. Now, the interesting part. I had never ordered from the…

Financial advice for a 22 year old A bit of my background •In my 4th year of uni (literature degree) •My tuition, living expenses and driving school tuition are loans (I have debt even before working fulltime) •Im living paycheck to paycheck for now bc of past bad financial decisions (I can sort it soon since I am on sem break I can work more) •I do have a part time job As you ca…

Contributed to Roth IRA but over MAGI max Hi – This was my first year being over the MAGI max. I contributed the $7k during 2024 and realized during my taxes that I was above the income limit. I re-characterized funds by transferring them from my Roth IRA to my traditional rollover IRA account. Is there any other step I should take to optimize this? Am I ineligible to do a Backdoor R…

Father in law converted Traditional IRA to Roth IRA and he’s retired and is 70YO I haven’t game this out, but it was pointless though, right? Since his tax bracket is already set in retirement? Conceivably, he was in a lower tax bracket when he was working. Mostly cash business and didn’t claim all his income. But if he’s in a higher tax bracket now when taking distributions and collecting social security, did it make sense…

In my 30s with disability. I don’t know how far I’m behind compared to others in my age group. I’m an ontario resident currently 32.5 y/o. I have a physical disability. I suffered big stroke when I was 21. uncommon at that age i guess, but my hemorrhage was due to a congenital blood vessel abnormally formed when I was in my mom’s womb(called arteriovenous malformation). Had 2 surgeries one being craniotomy. Removed about 1.5inch of brain …

My dad didn’t invest his TSP – what to do? My 35F father 65 m has dementia and I have power of attorney over his finances. He is in a home already and I have been trying to come to grips with the horrifying realization that he was terrible with finances. I recently found out that he has about 350,000 in a cash fund of his TSP. Should I try to reinvest this money on his behalf or just lea…