Check stolen out of the mail, duplicated, and cashed. Bank will not help. A family member mailed a check to the IRS for tax payments. The check cleared, but the check image shows a different recipient. The bank says what likely happened was that it was stolen out of the mail, duplicated with a different name, and cashed or deposited for more than 50k. They confirmed it was cashed or deposited at a Wells Fargo. Howeve…

How should I help my mom manger her meager savings? Long story short: My (33F) mom (72F) is bad with money and has about $100K in savings that came from her inheritance from my grandparents. That’s it. She stands to receive another $30-50K when their house, where my mom currently lives, is sold later this year. She’ll also have to move out at that point. She still works part-time (makes about $35…

Credit card debt questions I have 10k in credit card debt. I pay way over the minimum due but not the statement balance on all my cards. I have about 8k in my Acorns account and am thinking about withdrawing it to pay off my cards and not be as in debt. I guess my question is what would you do? Would you pay it off and lose some of your savings, consolidate onto a lower …

Should I use savings to lower debt? Feeling pretty stupid over the years. I’ve usually been great with money ever since I started working. I got a credit card when I was 18 and always paid the balance down. Then the line just kept increasing, I got carried away, and now I’m with debt. It’s about $9,700. I put more than the minimum payment down every month but I feel like it doesn’…

Offered dream job but feel obliged to stay at current company I have been in my first role out of college for almost a year now (1 year will be at end of this month). I like my role but the company is very short staffed so we are always working overtime, but my manager is very kind and has really looked after me in my time here. I happened to stumble upon a job posting at my dream company in basically the …

smartest way to take in bonus check Getting a $9,000 profit sharing bonus, I can allocate it to HSA, 401k and take the rest out as cash. Cash poor after home purchase, So I want more of it as cash, to build up cash/emergency savings while reducing taxable income as much as possible. What would you contribute to 401K and HSA? submitted by /u/vfr1200_

Income planner/budget/bill planner? Is there a budget calendar out there? Something I can enter our monthly expenses, pay dates/pay amounts and it will break down what to pay and when? Preferably free if possible submitted by /u/neonwatermelon

Pay down 6% mortgage or keep in brokerage I have $400,000 in my taxable brokerage account and owe about $375000 on my mortgage at 6% interest. I was planning to wait for 2025 and 2026 interest rate cuts to refinance – but the outlook on mortgage interest rates seems bleak. I figure with the recent market gains + fact that I would be taxed on future capital gains that I am better off ge…

What would u do at my age I’m 20 soon to be 21, I have 10k in my savings and I’m in no debt, credit is okay, no car, dropped out of community college. I live in a small apartment with my brothers so my portion of monthly expenses for housing+bills is around 700-800. I do find myself spending on alot of takeout, plus having a girlfriend can be expensive. but she and I wor…

At a crossroads on how to use a winter bonus. Hey all, at a bit of a crossroads. I’ve got a winter bonus coming up from my job. It’s pretty sizable, but I’m not sure how I want to go about using it towards my financial goals. The decision I’m trying to make is: Pay off my personal loans. I’ve got a little over 6k in loans that my bonus could pay off about 90% of. It would leave me close t…

Getting Better Credit as a College Student with Little Understanding of Credit I am 21f. My mom had me under her credit card for 5 years. I had excellent credit. I recently found out she removed me, and my score dropped 50 points. I was wondering how to build my credit history now that that was removed. My first instinct is a credit card. I am a college student with unsteady or little income, though I did see there are stu…

Should I be doing better in my Roth IRA? Need someone with a reality check for me. I started my Roth 4 years ago, and have been contributing max to a 2045 VG retirement target date fund. Current stats: Total Cost – 28,014 Total Market Value – 30562 Total Gain – 2548 All – 9.30% 3 year rate of return – 8.90% 1 year – 13.40% Is this good? Is there something I should be doing better? I f…

Help needed – feel like I’m drowning 34F – I’ve never had good spending habits driven by fiscally irresponsible (but well meaning) parents and late diagnosed ADHD. But now as a mom myself I really want to get my money habits in check to help set my kids up for success. My partner and I are unmarried however we share a home and household expenses in a joint account, then each have …

Getting vision insurance vs paying out of pocket? Hello. I just moved to the US and was unlucky enough that my eyeglass frames broke after a couple of months, so I was thinking about replacing both lenses and frames (they’re 5 years old already). I was thinking if it would be worth it to first get some vision insurance, or to pay out of pocket. I found VSP at just $15/mo which seems pretty reas…

Should I create a Roth IRA? Okay obviously silly question because we should all create one but my current situation is saving 9% to 401k (with 9% company match) and I have it increasing by 1% every year for now. I also am putting about 10% of my paycheck towards an emergency High Yield Savings. Lastly I just enrolled to put 8% of my paycheck towards my company’s Stock Prog…

How to start as a beginner with no knowledge on investing. Hi, I am 16 in High School, and hope to become well off in my future. I have no money right now, and have been looking for jobs I could work over the summer to get me started so I can eventually begin investing. I want to have enough money to retire my parents. Everyday, I see them both losing precious time of their life to provide for me and my…

I want to go back to school asap (like this year) but I’m in a decent amount of debt. Is it possible? Are federal student loans a reasonable option? Hello! Please be kind, I’ve been through a lot this year. I am almost 30 and I am desperately wanting to go back to school, asap. I had intended to go back to school a year ago, but some life circumstances happened that made me put it off. This last year, I’ve unfortunately managed to accrue a significant amount of debt. I had a previously poorl…

Capital One is doing soft credit checks on me every 3 months… I don’t like it. I ran my credit on AnnualCreditReport.com (the actual free one, that they are legally obligated to supply in my understanding) and on Equifax I am seeing CAPITAL ONE BANK USA NA doing a soft credit check every 3 months or so for the last year. I know that this does not negatively affect my credit score, but it still bugs me. I know this is how t…

Mortgage advice for people with disabilities Myself and my partner (both male 55 and 56)both are autistic and I have ADHD and I claim pip for chronic pain (fibromyalgia). We are planning to get married and we have 60k in savings and we planning to buy a house together. We can’t work full time due to our disability, and I was wondering if we would qualify for a mortgage? And if someone spec…

I need to save 10k up in about a year or two I’m a newly turned 17-year-old (technically i turn 17 in a week), and I plan on moving out, honestly, as soon as I can for personal reasons. I have a friend from New York (I live in Texas, so our minimum wages are way different) who’s going to also save up 10k, move down here, and we’re going to rent a place together​, although I’m not excluding…