Possibly dumb question re: eyelash curler Ok hear me out: what is the point of changing your eyelash curler cushion? I just bought a new eyelash curler, and like always, it came with 2 replacement cushions. Why would someone change this—just for health/cleanliness (I already clean all my makeup regularly, so changing the pad feels redundant)? They’re just strips of silicone, so they hol…

ROTH IRA – Please help im so dumb I just opened a roth ira. I’m about to graduate college – ik I should have opened one earlier, but I’m finally doing it, and tbh I don’t understand investing at all. I’ve heard that it’s good to invest in risker/high-growth accounts because it’ll be sitting there a long time. I tried to do research, but everything just looks like gibberish to me…

I Made A Dumb Mistake When I Was Younger I was dumb and took zero risks so in 2019 I put 15k in a TEN YEAR Roth CD. The rate is 3%! In 2021 I finally started investing wisely in the stock market but I have this 15k held hostage in this ROTH CD that I can’t move until 2029 without penalty. I’ll be 45 years old. Would the penalty be worth it to roll it over into my IRA money market? What…

Am I dumb to invest only in 401k and not HSA or IRA? Hi all, Please forgive the ignorant post as I have only somewhat recently begun looking into finances deeply. Long story short – my wife and I are debt free, in our early and mid 30s, both have been for years contributing 15% to our 401Ks (not including company match) which is just about hitting the 401k yearly contribution limit for each of us….

Is this dumb? Home equity/new home question My husband and I have about 200k in equity in our home (after approx closing costs when we sell are factored in) and we really want to move to (hopefully) our forever home. We are looking at new construction in California. My question is, instead of putting all 200k into the purchase of a new home, does it make any sense to put about $100k into…

Idk if this is a dumb question but How much money should I keep in my checking account? I know most people go by percentages but I like to automate my transfers to a HYSA, Individual stock account, and Roth IRA and my pay is very variable since I’m 18 with a part time job. Is there a “standard amount” everyone goes by? I pretty much have no expenses since I’ll be living at home f…

Smart or dumb to use 401k in this situation? I know I know, never take out your 401k. However, this is a very specific situation. Living in a family members house and have the opportunity to buy it from them next year for about 200k less than what it’s estimated on the open market. I’m wanting to get my current debt out of the way beforehand, which is $11,000 in car payments and $20,000 in…

Probably a dumb savings question I have around $30k USD sitting in a savings account that I put into 2 CDs with 5.1% and 5.25% APY that I have been laddering. I have 401k and Roth as well. We have 2 young kids (under 5), so I am wondering if keeping the money in the CDs is the right move. I a little risk averse with the kids and unknown expenses with the house, but was just loo…

no dumb questions right? Ok so i saw a video of someone asking how to have flawless make up. and someone responded with great advice but i cant find the video nor the comment i left.. so im going to ask here she responded with something like.. you cant mix dry make up with wet make up? or oil based make up with powder based? i dont rememebr.. i just wanna buy new pow…

Am I dumb for buying a car? So my current car is crapping the bed and I am already underwater on it. So, I am getting a new car. I am about to turn 20 and have about $1200 left over every month after 401k, needs, and some wants (make roughly $4200 a month). I have maxed out my Roth IRA and have about a 4 month emergency fund and no debt. I am getting a 2022 Camry 60k miles…

Dumb question about the Dead Sea My best friend and old roommate is Israeli from boarding school in the USA. I am Palestinian. It breaks my heart, but we will never ever be able to meet again. I live in Jordan, so she is not able to visit me- and she lives in Israel so I am not able to visit her. She has done so much for me and I love her to pieces. We can meet obviously somewh…

Slightly dumb question about sunscreen How do I reapply my sunscreen when I’m wearing makeup? I want to get into wearing makeup but I apply sunscreen every 2 hours. I don’t see how I can wear makeup without having to give up the sun protection. How do y’all apply both? Product list: neutrogena chemical sunscreen submitted by /u/weightlosssurg

Does painting only one ring on these light fixtures look dumb? See headline. Looking for objective views really without regard to whether it matches other things in the house, but if you have to qualify feel free. Thank you in advance! submitted by /u/Purple_triangle_guy

I have a dumb question about SKUs I’m creating an e-commerce website for my church… but I’m curious. Are SKUs mostly for the record of the business owner? Or are they a global number I need to look up? submitted by /u/AddyFire

This may be a dumb question… Should I place the UPC barcode on the product’s package or the box it is shipped in? Or both? submitted by /u/Kid_Coochie

Two (possibly) dumb questions about lightstream auto loans I’m thinking of buying a car from caravana for about 18k. I was initially thinking of financing with them, but their rates are too high. Upon a little research, I found that lightstream has lower rates and they wire the money directly into your bank account. They do not hold the title of the car and because they wire the money to your bank acco…

Am I the only one that struggles with pairing silicone or water-based products only? Am I just dumb? So this is sort of a skincare/makeup combo post. I have super sensitive, acne prone skin and I’ve fortunately managed to find a skincare routine that looks and feels great, and doesn’t break me out. It’s a blessing, truly, but I swear I can’t find any makeup combinations that seem to not just pill right off right after or even during application…

$1,500/mo can be saved in my situation, is it dumb to dump every penny into my house? I’m 27M closing on a house. After closing, I will still have a 6 month emergency fund. I contribute 15% of my income to my 401k and also max out my Roth IRA, this leaves me with $1,500 a month. I’m wondering if I, for the next 15-18 months or so, just throw the money in the house. I know a new HVAC system will be needed soon, but every other ma…

Dumb lie flat seat question My husband wants to know: with the lie flat seats, does everyone in the row have to lie flat at about the same time for it to work? Or everyone in front or behind you? His concern is having a different sleep schedule from the people around us which could make the lie flat useless if he’s the only one who wants to sleep at a given time. subm…

Is it dumb to finance a car? Pretty general question, but I’m also someone who hates operating with debt. Sort of at a point where I think my want for a new car is becoming a need. I planned on saving up a lot in the next 6 months for a big down payment, but now wondering if I should just pull the trigger and finance a big portion. Normally I’d use my emergency fund, but th…