I’m switching jobs. I understand that I get to spend what’s in my FSA (even though it’s just January and I haven’t contributed much). When do I have to spend this by? My JOB ends in the middle of the month. My BENEFITS continue to the end of the month. So, when do I have to spend the funds by? submitted by /u/deane-barker

Moms life insurance policy My mom died when I was 13 and had a 100,000 life insurance policy where her mom was the only beneficiary. I just turned 18 and I’m being told that I can claim this policy because I’m her next of kin. But my uncle is saying since he paid for the cremation and other things after her death for obvious reasons that I have to pay him and all her othe…

Possible to be denied job due to high debt? Hi, so I’m applying for a job that obviously requires a background check. I do have a low credit score due to credit utilization. I have about $50K CC debt, and an unsecured personal loan for $25K. To be very clear, I have never missed a payment in my life, and have no other negatives in my credit report (collections etc). Could high CC debt be…

Landlord is selling home in order to avoid capital gains tax (Alaska, US). Here’s our scenario. The owner of the home we rent is a good friend of ours. They bought another home in the area and offered us this awesome space to rent. They lived in this home for 10 years prior to us, this fall will make 3 years of us living here. The home is valued at around 600,000 usd. To avoid having to pay the huge capitol gains tax w…

Hospital bill more than 3x higher than good faith estimate. I plan to dispute. What happens? What do I need to do? Long story short, my surgery was originally supposed to be $14k and $2.5k would come from my pocket. Now they have turned around and said that the surgery was $54k and $6k has to come from my pocket. Comparable costs for said surgery were $11k in my area. I called the billing office and told them it was BS and I can’t afford that. Then they said…

Spending ~$3k on hockey per year, should I cut it down? I’m a 23 yo May ‘24 grad in O&G going through my expenses over the last 6 months since starting full time, looking for chances to save. Making $102k/year (made about $55k pretax since starting in July), with $30k saved, no debt. I’m overall happy with my finances but always looking for growth and savings opportunities. I play beer league hockey…

Need help saving and eliminating debt I’m 36 years old. I have ~$26k in debt spread over 3 CC cards. I’ve had a poor relationship with money my whole life, have minimal savings and my finances have been a disaster for a long time. Mostly due to gambling, high risk crypto investments and reckless spending. After a year of therapy/meetings, etc. I can confidently say that part of my l…

How to improve financial literacy with dyscalculia? So I have pretty severe dyscalculia, and had an upbringing that didn’t encourage financial literacy. What can I do now as an early-20s to teach myself? I’m interested in investment particularly. submitted by /u/RealisticAssist420

How can I fix this financial hell I’m in? I’m 26 and live at home still. I started my own business 3 years ago and the first two years were incredibly rough financially. I’m about 15k in debt from credit cards alone ( had to do it to prop up my business and get started) so I’m paying about 600 to 900 a month to just cover the minimum payments on all 5 of my credit cards. I also owe the…

Day 2 Bank of Oklahoma Down Bank of Oklahoma that owns Bank of Texas is usually pretty good but this is Day 2 of customers not being able to access their accounts. Auto payments, Zelle, cards, ATMs etc, everything has been down and being declined since yesterday. Even going in person to the branches doesn’t help. People who don’t have other accounts/credit cards/cash are i…

Is there any good reason to have this much CC debt? I (24 y/o) was recently home for the holidays and discovered my parents (Mom in late 50s, Dad in late 60s — both still working) are carrying ~30k in credit card debt. My dad left the CC bill on the kitchen table overnight and I saw it. They’re getting charged 26% APY — this isn’t a case where they’re taking advantage of a promotional interest …

UPS delivered my package from Costco and it was missing a gold coin I’m going through this right now with a gold coin from Costco. I bought it as an investment. I signed for the package, immediately checked it and saw it was tampered with. Opened it and saw the gold coin was missing. I was lucky the driver was still out in the street so I gave him the package back and told him to return it. Driver said he sees t…

Discrepancy between FreeTaxUSA and TurboTax. I have entered all my data in FreeTaxUSA and then used a family members TurboTax as a double check. All of the entry numbers are exactly alike but there is a $3 difference in the refunds. I am retired so have a fairly simple return. No stock or capital gains. Only IRA distributions, pension payments and social security. Also have interest earned…

My employer 401k match isn’t great.. what’re my options? New to the page so bare with me. For a little background I am early 30’s, work construction (60+ hours weekly) and in the national guard. I eventually will have a military pension but it’s not enough. I have a 401k from a previous employer that has roughly 40k in it. My current employer maxes a 401k match at 1.5% (50% match for up to 3%). I have…

My W2 is missing a lump sum of money My company accidentally paid me only a portion of my commission check and then paid the balance when the realized the mistake. When the paid the balance it was for 18k, it wasn’t reflected on my W2. Should I be concerned about this? Should I ask them to fix it and add it to my W2? Has this happened to anyone else? submitted by /u/Enviro…

Im 18 and in the military would like advice on what i should do with my money I have 7000$ in savings still no car but put 10% towards my tsp i have an account on robin hood and think i want to switch it also have some crypto and a starter certificate holding 3000$ and a 719 credit score what should i do submitted by /u/kcbrown_17

Second job vs cut expenses? I’d like some advice on my current situation. My current monthly take home pay is $4,400. My monthly expenses: rent $1,700, groceries/household $600, utilities (wifi, water, electricity) $200, personal (car insurance, spotify, xbox, supplements, etc) $240, gas $160. Savings: $583 Roth IRA, $700 HYSA for engagement/wedding and emergency. Left ove…

How much money should I hold in my savings? Hi, I am 21 and would like to know how much I should hold in my savings. I currently have $5000 in my savings and $1000 in checking. I am a college student and don’t have many expenses other than gas, which is about $40 a month. I currently have a Roth IRA, which I max out yearly. I also have an on-campus job from which I get about $750 monthly….

Advice for almost 26 year old looking to move out. I am 25, and will be turning 26 in April. Im ashamed of still living with my parents. I recently got out of 5 year relationship and my hopes of buying a home with my ex partner have vanished. I live in the ChicagoLand area, I make $24 an hour ($46,800) annually and receive atleast a $5000 bonus at the end of every year. I work in a warehouse, I …

Ok, so i am somewhat oblivious to how to manage my finance. I am 20 years old and i am looking to save money for retirement. However, i have no idea about concepts like credit card fees, compound interest, etc. My family won’t explain it to me. Anything i should read/watch to get a better idea? submitted by /u/Queasy_Working_9969