1099 vs W2 with less pay?

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1099 vs W2 with less pay? I’m assessing different options for my compensation. The work I’m doing is eligible to be classified as a 1099 contractor (no set hours, etc). Relevant context: WFH, I have a room in my house that could be classified as only for business (approx 10 ft by 12ft), as a W2 I get 3% safe harbor, cellphone and laptop provided. I don’t derive any other…

Reddit Personal Finance 953 2025-03-01

Easiest way to shop around for an auto loan?

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Easiest way to shop around for an auto loan? I think I’m overthinking this. Do I just go into a bank branch to apply and see what they can offer? I want to shop around for the best rate— would they be doing hard credit pulls that affect my credit? Can any of this just be done online instead? submitted by /u/SailingBarista

Reddit Personal Finance 1.3k 2025-03-01

Brokerage no longer exists but never returned investment, are there any options?

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Brokerage no longer exists but never returned investment, are there any options? My girlfriend’s grandmother put a decent amount into a brokerage mutual fund back in 2000 for my girlfriend and forgot about it. Her grandmother has since passed away and the investment firm no longer exists, however we have paperwork of it existing (transaction confirmation + broker). Is there any government assistance or way to track where thi…

Reddit Personal Finance 785 2025-03-01

Mom took lump sum of inherited qualified Equitable annuity. Too late to put in inherited IRA?

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Mom took lump sum of inherited qualified Equitable annuity. Too late to put in inherited IRA? My mother recently inherited two qualified Equitable annuities totaling about $60k. She opted to take the lump sum instead of roll it into an inherited IRA. I don’t know if she realized what she did or if she just wanted the money. She’s in the 22% tax bracket but this income puts her into the 24% bracket. Is it too late to take the funds back a…

Reddit Personal Finance 470 2025-03-01

Considering a personal loan for credit card debt but open to input

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Considering a personal loan for credit card debt but open to input I’m 27 and I have about $7200 in credit card debt. I’m sitting with roughly 75% credit card utilization spread across 6 credit cards. Currently I have roughly a 680 credit score and I’m frantically trying to raise it in the next 3 months before I need to either lease or finance a car. Right now if I continue to make minimum payments on all of my…

Reddit Personal Finance 703 2025-03-01

Accidentally contributed too much to Roth IRA. What do I do?

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Accidentally contributed too much to Roth IRA. What do I do? I have a Roth IRA because my parents started it for me when I was 18. I honestly don’t know what I’m doing with it and didn’t realize how complex it was. Well this past year I pulled money from a 403B after I quit with that company and then had to put it in a rollover to get it over to my Roth. I honestly don’t know what I’m doing. I don’t have …

Reddit Personal Finance 759 2025-03-01

Laid off and overwhelmed by $30k+ of debt I can’t pay. Trying to figure out my options.

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Laid off and overwhelmed by $30k+ of debt I can’t pay. Trying to figure out my options. My financial situation is worst it’s ever been, and as a 35 y/o with a good amount of financial knowledge, I feel like a total failure. My debt is paralyzing me, my income is barely enough to make ends meet, unemployment is all dried up, but I do have options. I’m just so overwhelmed that I’m having trouble figuring out what the right next moves…

Reddit Personal Finance 666 2025-03-01

Honesty Has Never Been Harder To Come By

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Honesty Has Never Been Harder To Come By Honesty has never been harder to come by. It’s a strong statement, but most definitely true, over the course of my lifetime. I’m not talking about news and official sources.   I’m talking having the opportunity to call a friend or family member and have them tell you what they think about… whatever.  About what you’re Source

Elsa Elsa 1.1k 2025-03-01

Big Moves When Outer Planets Transit Your Ascendant

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Big Moves When Outer Planets Transit Your Ascendant When I search on this topic, AI throws out a bunch of keywords. It’s useful, but limited, in the same way computerized astrology reports are. It’s just not the same as hearing about real life experiences. I’m good source on this topic, because I have had all three outer planets have transited my ascendant, in Source

Elsa Elsa 432 2025-03-01

LPT: motivate your child/ kids to memorize your mobile phone number.

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LPT: motivate your child/ kids to memorize your mobile phone number. Long time ago in the car on road trip, my kids wanted to play on tablets. Just for fun I’ve told them, first they need to memorize my phone number. They were motivated, it took them just a few minutes to learn. Then, from time to time I’ve checked, if they still remember that. It is well written in their little brains, lol. Just today I was cont…

Life Pro Tips 438 2025-03-01

LPT: Fixing a Ruined Whiteboard

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LPT: Fixing a Ruined Whiteboard If you happen to have a whiteboard that whatever you write on it won’t come off no matter what cleaner or method you use, you probably have a board that has a ruined finish/top coat. I learned this the hard way when I had a brain fart and took a gritty scrub pad to my board to remove some leftover adhesive on it. Overtime, whiteboards lose their…

Life Pro Tips 504 2025-03-01

LPT: Warm your hands faster by heating your inner wrists

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LPT: Warm your hands faster by heating your inner wrists When you have freezing hands, don’t warm the palms and fingers of your hands (with hand warmers, heating pad, warm drink, etc.). Place the heat source directly on your inner wrists where your radial artery is located. The skin is thinner and can more efficiently pump warm blood into your hands, heating them faster. submitted by /u/coconu…

Life Pro Tips 952 2025-03-01

LPT: If you’re ordering food delivery, and want it hot, put delivery instructions in the app.

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LPT: If you’re ordering food delivery, and want it hot, put delivery instructions in the app. I’ve been driving for Doordash and Ubereats for years. The smoothest and fastest deliveries are by far the ones that include delivery instructions, ESPECIALLY FOR APARTMENTS. Something as simple as “building 5, turn right as you enter the complex, third building on the left” makes all the difference to drivers, many of whom are trying to find yo…

Life Pro Tips 985 2025-03-01

LPT: Point barcodes towards your cashier at gas stations/convenient stores.

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LPT: Point barcodes towards your cashier at gas stations/convenient stores. It doesn’t save a ton of time but it does speed up a bit, makes the cashier happy and over all it smooths out the process.(especially during a lunch rush) If you have candy make sure the barcode is pointed up, if you have a drink point the barcode towards them. Have money or card ready. submitted by /u/THE-KOALA-BEAR710

Life Pro Tips 499 2025-03-01

LPT: Stuck on a tough decision? Pretend your friend is asking for advice

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LPT: Stuck on a tough decision? Pretend your friend is asking for advice Next time you’re overthinking something, try this: imagine a friend is in your exact situation and asking what they should do. What would you tell them? For some reason, it’s way easier to give good advice to other people than to ourselves. We get caught up in emotions, doubts, and overthinking. But when you step back and look at it like an outs…

Life Pro Tips 1.1k 2025-03-01