Needing home repair and can pay cash, but worried about not having cash during uncertain times I need to do a $20,000 home repair, I can pay cash but would not have any savings other than a few thousand. My single income supports a family of 4. Seems like the near term economic future is uncertain and volatile, and $20,000 in the bank would be a good security net. What would be the best way to finance the repair? submitted by /u/si…

Should I cash out or hope for IPO? Maybe not the right place to ask but looking for general advice. I was early at a private start-up and worked there for about 4 years racking up a good amount of shares (not compared to others though as I heard early on they absolutely butchered the dilution). It’s been 10 years since I started and the company doesn’t seem to be in a good place,…

Are there better options for emergency $70K cash before considering HELOC? (EDIT – Meant to use $55K in the title) Location NJ – USA – My condo requires emergency repairs to the exterior facade and my personal contribution is now estimated at $55,000. I tried negotiating a payment plan with my property management company but they state due to the nature of emergency repairs needed I must make a first payment of $15,000…

Storing cash in Ally Savings vs contributing to Schwab Intelligent Investment Portfolio Hi there, I just met with an Empower retirement consultant specialist about financial advise for my savings and am more confused than ever. I have close to $150k in cash in a savings account with Ally bank, as the interest rate was 4.2% and I had been hoping put it towards a down payment for an apartment in the next few years. I have a Schwab In…

8.8-Oz Febreze Air Freshener (various scents) + $2.30 Walmart Cash $3.25 + Free Store Pickup Walmart has *Select 8.8-Oz Febreze Air Freshener + $2.30 Walmart Cash* (when you clip the coupon while logged in your account) on sale for *$3.24*. Select free store pickup where stock…

38-Count Finish Ultimate Dishwasher Detergent Tablets + $6 Walmart Cash $13.30 Walmart has *38-Count Finish Ultimate Dishwasher Detergent Tablets* on sale for *$13.27* + Earn *$6 in Walmart Cash* when you clip the offer on the page (must be logged in). *Shipping is free* w/…

LPT: The IRS has a Direct File tax service for 25 states this year. Save some cash! Disclaimer: Only certain states and certain tax situations, but hey – free is free and I for one would love to finally break away from Turbotax. https://www .irs.gov/filing/irs-direct-file-for-free submitted by /u/VestedDeveloper

I have cash for a car. Dealer is offering $500 off if I get loan. If I’m going to pay it off immediately with no prepayment penalty, is it worth it for $500 discount? In other words, if I get a $50k loan and pay it off as soon as my loan account is set up, am I paying anything other than $50k? submitted by /u/CarminSanDiego

Hypothetically, deciding to cash out 401(k)s, IRAs, 529s and leave the US permanently—how do the logistics of this work? If a family were planning to leave the US and move to the EU (EU residency/citizenship is already taken care of), how would the logistical process of cashing out all US accounts work? We’d have to have new accounts set up in the country we’re landing in, and what types of accounts would depend on the country, presumably? Can you “roll over” any…

Digital Rights Group EFF Calls for Roman Storm Dismissal in Tornado Cash Case The Electronic Frontier Foundation (EFF) argues that U.S. government’s prosecution of Tornado Cash “stretches criminal laws beyond their intended scope”

Employer gave me a small chunk of stock 3 years ago. It’s tripled in value since then, and fully vests this year. Should I cash out? If so, how? They gave me $5000 in stock around 3 years ago. I have access to half of it right now. One quarter becomes available next month, with the final quarter of shares becoming available in August. Stock price has nearly tripled since then. To be honest I kind of forgot about the fact they gave it to me and it’s just been hanging out. There’s not anyt…

3-Pack Men’s Hanes Originals Cotton Tank (White/Tan/Black) + $2.50 Walmart Cash $8 + Free S/H on $35+ Walmart has *3-Pack Men’s Hanes Originals Dyed Stretch Cotton Tank* (White/Tan/Black; various sizes) *+ Earn $2.50 in Walmart Cash* *Offer *on sale for *$7.98*. *Shipping is free* w/ Walmart+ (free…

Should I pay off my car or use my cash elsewhere? Looking for some advice on my car loan situation. Here’s my financial snapshot: Salary: $120K (stable job) Credit Score: 787 Credit Cards: 2 cards, $25K limit each, zero balance Car Loan: $755/month ($34K left, 7.7% interest, 55 months remaining) Checking Account: $30K Monthly Cash Savings: $2,300 401K: Maxed out for 2024, planning to ma…

2.8oz Febreze Fabric Refresher To Go Gain Spray (Original) + $2.30 Walmart Cash $2 + Free Store Pickup (select locations) Walmart has *2.8oz. Febreze Odor-Fighting Fabric Refresher To Go Gain Spray* (Original Scent) *+ $2.30 Walmart Cash* (when you clip the coupon while logged in your account) on sale for *$1.97*….

Inherited IRA solely in cash: How to maximize growth and minimize tax Hello, I recently inherited roughly $200k in the form of an inherited IRA solely in cash/cash investments. In other words, it’s not in the market, and I’d like to begin investing it asap in the form of a brokerage. Is it better to: A) Transfer the entire $200k into a brokerage immediately, suffering the tax increase for this year B) Transfer it …

Would it be a bad idea for me to do a 0% interest loan for an expensive item if I have the cash in hand to pay it off? I’m looking at buying an expensive treadmill and while I have the cash to buy it outright, I was thinking I could potentially do the 0% interest loan option they have on Amazon. Would this be a bad idea? I’m seeing it as a credit building opportunity. I’m not worried about nonpayment because the funds are more than available to pay for it s…

Need advice on what to do with liquid cash My wife and I currently have 370k liquid cash that I need to invest, that will generate a steady return over a year or two. We currently have 600k in various stocks and etfs and our 401k is fully funded. We don’t have debt apart from mortgage. The money was initially set aside for a down payment on a new house, since we are moving, but we decide…

Retired Kept-Man Dad – How to Maximize End of Life Cash Flow? My 75 year old retired father is slowly becoming senile. He has no assets other than his brand new car. His primary expenses (housing and groceries) are covered by his wife, whose own assets are separate from him and in a trust. He has a business where he sells his art, but his art business is hitting it’s 2nd or 3rd year of not being profitable…

Gifted I-Bond – Leave it or cash out and move to IRA? I was gifted an I-Bond of $5000 by a very generous family member, and it is past the one year issue date so it can be redeemed at this point. I don’t have access to a 401k but I do have a Roth IRA that I just recently started funding last year. I have no debt besides my mortgage, however I am behind on retirement and working hard to catch up on …

Do I continue to stockpile cash? I’ve (23M) had quite a rocky road getting to this point in my life and I know I’m doing pretty good, but trying to figure out the next step. I recently earned a masters in business, and used my salary (70k) to pay it off. I am fortunate enough to have a great relationship with my parents, still live at home. No rent, no expenses (besides gas), n…