Mid 20s gal seeking financial education and advise on strategies to increase wealth. Parent’s worked in service industry their whole life so they never had a 401K, IRA, and HYSA. Maybe they did, but I don’t know about it. I was never fully educated about these things and I keep hearing about IRA, ROTH tax advantages etc. I want to learn and grow my wealth. Now that I have a job after graduation – I am currently make around 115K …

Should I sacrifice 20s living with parent to buy a condo? Hey, I’m 26 this year and make 60k being a general manager for a restaurant. I went to school for criminal justice and got my degree about 2 years ago but I don’t care to be a cop; I got to my junior year and discovered I had no interest but just stuck it thru for the sake of being 1st generation to graduate college. While in school I started ra…

I’m in my mid-20s and my employer doesn’t do a match I only change the percentage of how much money will come out of my paycheck when I get paid. I’m also doing a Roth IRA do a monthly I’m in my mid-20s and my employer doesn’t do a match I only change the percentage of how much money will come out of my paycheck when I get paid. I’m also doing a Roth IRA with a monthly contribution of $50-100. I invest in IVV. I do have an emergency fund of over $1k and the interest rate is 4.25% I see other high-yield savings of more than 4.2…

For someone in their 20s, personal loan or 401k loan to pay debt? I’m about 15k in CC debt, never envisioned it happened after I got my first card but thanks to having to front bills for my ex when he quit his job I am. Anyways, the debt is really stressing me and I’m tired of looking at it. I know it could be worse, but my limits aren’t very high despite never having been late and the utilization is really ea…

Struggling with Investment Addiction, Worried About Wasting My 20s Hey everyone, I’m am in my early 20s, and I’ve built up a stock portfolio worth $110k, primarily invested in VOO. While I’m proud of this achievement and the progress I’ve made towards financial independence, I can’t shake the feeling that I’m becoming addicted to the idea of investing and the dream of early retirement. I find myself constant…

when you look back in your 20s or 30s, would you have traveled more or saved up more money for home/investment? if you are in your 40s+ and look back your early days in 20s/30s, would you think that you should’ve spent your money more on something you wanted or you should’ve saved up more money for such as investement/home? understand that people have difference perspectives/preference, but i’d like to know what you think you should’ve or would/ve done wi…

The Streets’ Mike Skinner: ‘My mid-20s were utterly traumatic. Everything was upside down’ submitted by /u/loubyclou

Balancing between enjoying life and saving money in your 20s am 24F and generally introverted and don’t do much and have 3 friends. My life consists of me working, reading, watching tv, cooking, and other mundane activities. I feel so guilty because I feel that other individuals my age are living such great exciting lives on social media and even my co-workers are living great lives and traveling, eating …

Am I wasting away my 20s saving? Hey all, currently I’m 23 and I live at home with my parents in the Bay Area. I’ve been working for two years putting away a large chunk of my salary towards making a down payment on my own place. The earliest I can see myself being able to purchase something, probably a condo, is when I’m 26. But I can see that I’d probably be stuck there for …

Personal leave to travel the world in early 20s? I started my career at 21 and I’m thinking of taking a personal leave at 24 but am worried that I would be too young in my career to ask for it. I know it’s company dependent but I’m wondering what the general opinion on it is submitted by /u/Thin_Rain_8114

House Saving Strategy for a 20s couple Hello everyone. My husband and I are in our 20s and want to save for a house. We live in CA and have Ally saving accounts and Vanguard investment accounts (Roth IRA and brokerage). What’s the best way to save for a house? A. Save in Ally ~4.30% return B. Save in Vanguard Roth IRA (limit in contributions and withdrawals but tax-free) C. Save in a…

Investment Strategy Advice in My Mid-20s: Robo-Advisors vs. Bogleheads Approach? Hello, I’m relatively new to the investment scene and currently have my savings in a Wealthfront account offering a 5% APY. I’m contemplating whether now is the right time to start an automated index investing account with Wealthfront, and I’m open to exploring other platforms as well. to spend The concept of a self-managing investment account i…

Your best financial decisions you’ve made in your 20s Looking back, what financial decisions do you think were the most beneficial in your 20s? I see a lot of praising about starting investing early but is there someone who would challenge that and provides examples of other financial decisions compared to investing in stock market? submitted by /u/RageRushing

What to do with 80K in your 20s I’m 25, I work as an accountant (tax/auditor) for the last 3 years or so. over that time I have managed to save 80K. I really want to be a business owner and start something on my own. I’m very entrepreneurial minded and do not mind working heavy hours. So far I have tried a few drop shipping sites with no luck, doing some swing trading which is…

What are the differences in the type of adventures you get into as traveler in your 20s vs your 40s? Do you do different activities, do you go to different types of places, etc submitted by /u/real-cruces25

Chicago or Boston trip comparable to NYC Christmas-wise, for 2 female friends in their 20s? Dealing with conflicting emotions/nostalgia about a potential trip to NYC & could use some advice. I’m (28F) Canadian but previously lived in NYC for grad school pre-Covid. My friend & I want to go to a city in the North East US for a few days for the Christmas vibes. I’ve spent a few Christmas seasons in NYC for Christmas 1st from family trips…

Just bought a 20s bungalow, what furniture should I get? These are shots of the previous owners stuff. I’ve got about $1500 to buy a sofa/loveseat/chairs/whatever. I’m a single guy that loves MCM but I don’t feel like that will go with the high ceiling and more farmhouse style. Any suggestions? submitted by /u/Powerglove_handjob

Late 20s, potentially thinking about moving back with parents to save money for a house payment- yes or no? I’m a single guy in my mid-late 20s. I’ve been moved out of my parents after college and finding a job for just over 2 years now. I’m a few months into a year lease on a place, so when that would be over, it would make 3 years on my own. I’m doing pretty well financially in the sense I have no student or credit card debt, a good credit score, an…

For anyone that has supported their parents in their 20s – what advice do you have? My mom has been struggling recently with bills and I’ve been giving her a hand (24 M). By next fall she will be retiring – unfortunately she wont have enough money to go about life on her own. Thankfully I make enough to support my mom and I but I feel as if I wont be able to “live.” What I mean by that is going out, traveling, purchasing nice t…

LPT: Plan to spend your 20s getting to know yourself so your 30s are easier I’ve heard many people in their 20s (or younger) say that they feel behind in life or that they feel like a failure or that they have no idea what to do. The truth is that most people at that age are still discovering themselves. If you accept that your younger years are for learning who you are, how your body functions best, what are your likes…