Putting Emergency Fund in a MMF Long story short, I am not happy with the savings account I currently have my emergency fund in. I want to keep it somewhere that I can access it within a few days and also not lose a lot to inflation. I have a checking account and some credit cards with Chase. I am considering opening a JP Morgan brokerage account and putting my savings in a mo…

Should I put more money on my house or invest? Dave Ramsay tells me that millionaires own their home first. I have a 2.5% mortgage interest rate and I think it would be best if I invested any extra money because I will get a bigger percentage return. Please correct me if I’m wrong in thinking this. Thank you! Edit: Thank you for not correcting my misspelling of Dave Ramsey. Thank you everyo…

Taking SS benefits now or later? I have a family member who just turned 64 and is considering taking SS benefits in June. She currently makes about 2500 a month but works 40 hours a week, five days a week. Apparently you can still make about $1900 a month without it affecting your SS payments, so she would reduce her hours to 24 and work three days a week. Her monthly benefit r…

Should I get a Roth IRA? I’m 20, I know absolutely nothing at all about personal finance, investing, and I barely know what taxes are. I’ve only filed taxes once using TurboTax, and I’m barely making any money–buuuut– I was curious if I should make a Roth IRA account at the bank? I’ve been hearing that it’s a good idea if I ever plan on retiring, but every single vide…

Seeking Advice on Debt and Financials for Older Parents Hi everyone, I’m looking for some guidance on my parents’ (70 and 63) situation: Monthly Income: Currently $3,000 from Social Security; we’re applying for another $800 for my mom (total potential income: $3,800). Monthly Expenses (approx. $4,974 total): American Express CC Payment: $1,150 Discover CC Payment: $366 Mortgage: $1,800 (Insurance…

Dad is filing for bankruptcy, we have the same name and address. He is afraid it is going to complicate my life quite a bit. Factors at play: *My dad lives in a different state, but has been claiming domicile at my house. He used to own it, I bought it from my mom after they split about 8 years ago. *He and I have the same name (I am a “II”). *We went to the same two colleges, for both undergraduate and mas…

Buy a car, to get to work, to pay for the car. I (26M) purchased my 2013 KIA optima SX Limited in OCT. 2022. My first car. 23% APR. Monthly payment of $435. Pay off quote of $12,000. No accidents on my record. Northwest Indiana, low cost of living area. I bring in $4,550 net. Paid weekly. $2,350 of this is fixed, including my current car payment and all other debt payments. Roughly $30,000 i…

ER bill for one night stay $3700 – Co insurance portion! Any other options? We went to an ER visit for an allergic reaction at a local hospital (NC) and we got a bill (After the insurance claim) of $3,700. What options do we have? I don’t have that amount of money sitting around to pay, unfortunately… submitted by /u/Longjumping-Oven703

Weekend Love Forecast – Valentine Roundup Friday night, Valentine’s Day night, the Moon is in Mercury-ruled Virgo and love-hallmark Venus is fiery and cardinal in Mars-ruled Aries. Neither Mercury nor Venus is making any close, applying aspects, but both their next major aspects are squares. Next week Pisces Mercury will square Jupiter in Gemini, and Venus will square retro Mars in …

LPT: Flowers are a perfectly nice Valentine’s gift. Lingerie is highly risky. This one is especially for the sweaty, panicked dudes currently prowling through Victoria’s Secret in a state of growing terror. Flowers are fine. Flowers are lovely. Flowers are available everywhere, can be as simple or elaborate as you want, and you don’t have to worry about fit. If you really want to get your girl lingerie, take her shopping …

LPT: If going to a business lunch or dinner, always check the menu online before going and figure out what you want to order Figuring out what to order early takes the stress off so you can focus on the meeting. It’s also helpful to browse the wine list if it’s available so you can suggest a good wine if called to do so. submitted by /u/barkatmoon303

LPT – Don’t butter your toast. Toast your butter. Instead of putting butter on your toast. Put butter in a skillet, and fry your bread in it. Infinitely better. Top it off with honey for good measure. submitted by /u/nidontknow

LPT: When your alarm rings, stretch yourselves in the bed itself- neck, back, hands and legs. You will end up waking refreshed and not groggy. submitted by /u/vickylahkarbytes

LPT: When buying dishes test what sound silverware will make on them before purchase. Some plates and bowls are incredibly loud, and grating when metal scrapes against them. If you have any soun sensitive people in your life, or you yourself are, this can save you from buyers remorse and ear pain. I learned this after buying dishes that sounded like nails on a chalkboard. submitted by /u/HakubTheHuman

LPT Do I need therapy? Opinions welcome DISCLAIMER: this is quite long and rambly but I feel I need to fully explain in order for you to get a good idea of the context etc. sorry in advance for the overload of info … 🙂 So I’ve been hearing a lot from my friends that I need therapy and I knew this, but I didn’t think it was like a necessity because I thought my thought processes weren…

All-Clad Factory Seconds Sale + 15% Off $60+: 4-Qt Saute Pan w/ Lid $76.50 & More + Free Shipping Home and Cook Sales has *All-Clad Factory Seconds Cookware* on sale for the prices below when you apply the *15% Off $60+* *Order* discount code 15SDFEB25 in your cart. *Shipping is free* on orders…

Energizer Rechargeable LED 1150-Lumen Camping Lantern $12 Note: This deal beats a recent Frontpage Deal and it may have a higher than normal chance to sell out quickly. Amazon has *Energizer Rechargeable LED 1150-Lumen Camping Lantern* on sale for…

ARRIS SURFboard MAX W130 AX7800 Tri-Band Mesh Wi-Fi 6 System $60 + Free Shipping *Meh * has *ARRIS SURFboard MAX W130 AX7800 Tri-Band Mesh Wi-Fi 6 System* on sale for *$59.99* – Apply code FSDEALS for *Free Shipping* Mesh Wi-Fi 6 System Model: W130 Condition:…

14-Oz Brownie Brittle Thin and Crispy Brownie Bites (Chocolate Chip) $3 & More Amazon has *14-Oz Brownie Brittle Thin and Crispy Brownie Bites* (Chocolate Chip) on sale for *$2.98*. *Shipping is free* with Prime or on $35+ orders. Amazon also has *2-Pack 14-Oz Sheila G’s…

Select Home Depot Stores: 6-Pc Milwaukee Reciprocating Saw Blades + 9″ Nitrus Blade $10.05 (In-Store Purchase Only) YMMV, In store only. Most home depots in my area have this set on clearance for $10. While the online product description shows only the 6 blade set, the ones I’ve seen in store also include a…