Where to allocate bonus ? Hi everyone. I’m expecting a bonus of 7.9k pre tax. So I’m guessing it will be closer to 4.2k post tax. I’m not sure where to allocate the money to. Should I pay down debt below ? I’m also saving for a wedding next year and this is about 1/4 of my budget I plant to save. Any help would be greatly appreciated. Credit Card Debt: 7.3k (no APR unti…

How to allocate my 401k into new account? I am 31m and just changed jobs, so have a new 401k setup and am unsure as to the best allocation within it? Employer matches up to 3%. There are only 28 fund options and 10 of them are Target Retirement Funds. The other options are split between Vanguard Small, Mid, and Large cap Growth and Value Indexes. Some DFA funds, 4 international funds(VT…

How do I allocate my money with low interest debt? I’m 24, I make $70k WFH in NY which after tax, insurance, 401k (6%) is $4k net monthly. My only liabilities is a student loan $3.7k @ 3% and a car note $13.9k @ 3.99% (21’ Honda Accord). I pay $100, $340 per month respectively. My expenses including, car payment, loan, food, gas, subscriptions total $1100. I still live at home with my dad and l…

Not Sure what else to Allocate Money to Hello! I (23F) (24 in March) am not totally sure on how to save / invest / allocate my money and I was looking for some advice! For starters, I have no student loans, no credit card debt, car paid off and I live at home, so groceries and other living expenses are all covered. I am very fortunate and grateful to be in this position and I want to …

How to allocate bonus money? Hello! I am expecting to receive a $15K bonus come February, and im trying to figure out the best way to allocate. My wife and I currently have: $3K in credit card debt $13,000 owed on 1 car ($245/month payment) $12K in low interest federal student loans (currently not paying on IDR plan). $1K in emergency fund $35K in retirement 401K/Pension…

$17K in savings + $2300 net income – how should I allocate? THX I want to focus on my personal finance heavily in 2025 and really commit to setting up my future self. I need assistance figuring out the best finance ‘order of operations.’ I want every dollar after bills are paid to be allocated towards paying down debt, retirement, and general savings. Monthly Revenue = $4,329 + commission Monthly Expenses …

Need plan to allocate excess savings 27M Married, no kids Annual Income: $100K before taxes (me only, spouse doesn’t work right now) Personal situation: Living with parents until my spouse is abroad pending immigration process. Likely going to take 1.5 – 2 years. Plan to have 2 kids after they arrive. Expenses: Average around $1000 / month right now Current Portfolio Situation …

I need financial help regarding investing and where to allocate my funds. I originally posted this on @ r/Adulting but they told me to post on here! I’m not sure how to start this off other than where I am currently in life. I am 20 years old, I have a Roth IRA which I maxed out last year 2023 ($6500) and this year 2024 ($7k), all in one fund which is the VTSAX. I have no HYSA, and 9k in my bank account with a 750 fla…

How to allocate cash/investments when you don’t know if you want to buy a home? I live in a HCOL area with not a great income (50k give or take) but I have managed to save a decent chunk of money. I put as much as I could spare into VTSAX while the market was down and now I am up quite a bit. Brokerage – $112,000 (up 17%) HYSA – $33,000 Retirement – $220,000 I feel like I am over-invested (outside of my retirement) and if …

Help me allocate my money I don’t really have anyone to talk with about my finances so I’m gonna ask here. I have about $85k in my 401k. I have about $30k in a savings account. I am 28 years old and make about $60k a year but will probably be taking a new job in a new industry very shortly and have to take a paycut. My main priority is getting a house in the next couple …

How much should I allocate my paycheck to checking and savings? Hello all pretty straight forward question. I know this all depends on what each individual goal is but if I live without any expense other than food/groceries/gas how much should I allocate into my savings and checking? I’m currently splitting it by percentage 60% and 40% respectively. I guess my future goal would be to own a home but that’s a …

“Not enough standard seats left to allocate”: what does this mean? For context, I received this when I was doing an online check-in with RyanAir. Does this mean that I still have a guaranteed seat on the plane and that it is not overbooked? Hopefully nothing to worry about? submitted by /u/throwaway_eevee

How many days to allocate to Arequipa interior and hikes? I’m going to Peru on July 4th, and my first stop is Cusco. I will be there until at least July 17th, at which point I plan to go to Arequipa and then to Lima (where I will do trips to Huachachina and Huaraz) and probably depart Peru around August 5th. I only have 15-18 full days of travel (10 of those are weekend days and 5-8 will be weekdays) i…

LPT manually allocate payment via a call if you use PayPal Credit I bought a phone last December and paid with PayPal because I was offered a 24 month installment at 0% interest. I made another purchase using PayPal Credit 6 month interest free in February (basically 0 interest if paid in full in 6 months). I noticed my payment every month gone to mostly the phone and very little of it went to the other purcha…

Los Angeles is using AI in a pilot program to try to predict homelessness and allocate aid In Los Angeles, a Homelessness Prevention pilot program aims to use predictive AI to identify individuals and families at risk of becoming homeless.

years of poor mental health left me with large debt mess. how to allocate money towards late tax debt alongside other debts? I am self employed. I did not file or pay for 2021, 2022 year taxes. I sent 2021 taxes a few weeks ago and see it was accepted. Going to send 2022 and 2023 next week. $5131 2021 Owed Tax before Penalties/Interest ($7,737.33 current bill) $9,719 2022 Tax Bill $12k 2023 Approx Tax Bill Average monthly income after business expenses but BEFORE ta…

Which of these two debts would you allocate dollars to first? Which of these two debts would you allocate dollars to first? $900 in credit card debt on a 0% interest credit card (interest free period ends December 2024), or payments toward a $5,300 furnace replacement financed with no interest / no minimum payments until December 2024? I have no other debt except mortgage. submitted by /u/DoorGuote …

Banks where I can allocate a percentage of my paychecks to a temporary fund for something? Let me elaborate on my title more. So let’s say I have a family members birthday coming up, is there any banks (currently just have chase) where I can take 2% (or any percentage) of every paycheck and put it in a completely separate place just for that gift? Like imagine a water bottle, my income is an entire bottle, can I take a few drops of th…

Suddenly in charge of all of my father’s finances after he had a stroke at 83. Sold his house. How to allocate his savings? It’s been a super tough year for me. My father had a surgery to remove lung cancer and then had a stroke the next day. Luckily I got him to the hospital pretty quickly. He now has right-side weakness and lost use of his right arm, but he can walk slowly with a cane. But he’s stable now. I’ve been his main caretaker this whole time. My brother ha…

How to allocate your money as you grow older (advice for college student) Let’s say you are about to graduate college in a year ish, no education debt, job lined up and maybe some small debt like credit cards (