Is buying anything with a debit card just dumb? Are ccs just advantageous in every way? Is it dumb not to get cash back on your credit card? Also, easier to dispute charges, etc. I’ve been using my debit card my whole life.. I’m so stupid. Im going to take a financial literacy class or go back for an associates in finance or something. I’m too old to not know shit like this. Even filing taxes, I know I’m not maximizing my profits o…

Is it more advantageous to max my Roth IRA because I am unable to max my 401k? I am a 25-year-old male earning $90,000 a year. My employer offers a 100% match on contributions up to 1% of my income. Currently, I am contributing 15% of my income and investing 100% of that into the Vanguard 500 Index Admiral Shares. I am considering opening a Roth IRA and wondering if it would be reasonable to decrease my pre-tax 401k contr…

How do I solve my family’s car situation the most financially advantageous way? They bought a brand new car via monthly payments and still owe $35k while the car is now only worth $25k. They filed for bankruptcy within the last year and have additional debts besides the car. Due to this, the dealership won’t even let them downgrade for at least another year, but the monthly payments are greatly hindering them. I don’t know…

What is the most advantageous skill to have on ecommerce, programming or data analysis? Thinking about ecommerce, what more useful skill to deal with ecommerce? Programming or data analysis? submitted by /u/Primary_Soil2976