Old employer went out of business. Worried about not getting a W-2 I left months before my job laid everyone off. I stayed in contact with some people and learned that no one received their last paycheck and there is an ongoing court case going on. Because of this, I am assuming I will not get sent a W-2. We used paycom, but I don’t have access to it anymore. I also don’t have a copy of my last paycheck. What …

MBDR w/ Employer Match Vesting Schedule My wife’s new job has a 410k with a generous match, but it will vest over 4 years (25%/yr, starting after her 1st year). We want to max out the MBDR for the year, but we aren’t sure how to account for the match. It seems unvested contributions are being added, but since they don’t vest until next year, am I right to assume that they don’t count …

New employer does Simple IRA through Edward Jones Hi all, my new employer’s retirement plan is a Simple IRA through Edward Jones with a 3% match. The account is managed by a financial advisor. I would assume they do take commissions, however when I asked my employer about this he said that the company pays for whatever fees/commissions. I’m just wondering if anyone’s heard of something like thi…

Employer “may” make contributions to 401k? I’m currently enrolled in my company’s 401k plan. The enrollment started at a minimum of 6% and I’ve kept it that way. When we were told about the plan initially it was under the assumption it was employer matched. However, during the time I’ve been enrolled I haven’t seen any information regarding an outright match. I asked around to some cowor…

My employer 401k match isn’t great.. what’re my options? New to the page so bare with me. For a little background I am early 30’s, work construction (60+ hours weekly) and in the national guard. I eventually will have a military pension but it’s not enough. I have a 401k from a previous employer that has roughly 40k in it. My current employer maxes a 401k match at 1.5% (50% match for up to 3%). I have…

Employer potentially paid me too much Hi! I’m not sure if this belongs here- basically, I was working part time for a local university, hourly. They then converted me to EHRA, for $43,800, over six months. I signed a contract. It didn’t say full or part time, basically just a stipend over a period of time. I questioned if this was correct, and HR and the person who wrote the contrac…

Employer switched retirement company, I’m new-ish to investing. Are these options good? Hi all! My job recently switched retirement companies from ADP to Voya. I am working on updating my retirement profile as a result as I had managed my own investments through ADP when we still had it. I’m 24, married, no kids, with some student loan, credit card, and car debt. I contribute 10% of my paycheck (5% Roth, 5% Pre-Tax) and my employe…

How do I setup an HSA if my employer doesn’t provide one? I recently accepted a role at a company where if I took their health benefits, I would make north of $10,000 less. I am not sure why their insurance is so expensive, but I decided to go without it and purchase my own plan, and need to get one before open enrollment ends on the 15th of this month. Currently, I live with my family so my general co…

Contributed to employer FSA anticipating baby. Had a miscarriage. Employer is not allowing to unenroll. What are my options? I contributed $2,000 to my employer’s health care FSA account during open enrollment in mid-November 2024, anticipating medical expenses for a baby expected in 2025. Unfortunately, I experienced a miscarriage in mid-December and don’t anticipate using the funds for other health-related expenses next year. I reached out to HR/Benefits to request …

Employer is demanding 3k for taking maternity leave I just returned from my 3-month FMLA leave. I got a check two times a month for 60% of my salary (a paltry sum). Since returning my employer is saying that my health insurance for myself and my baby was not taken out of the checks I received so now I owe them $3,000. This is an exorbitant amount to me especially considering I owe that much for m…

Losing employer provided retirement. Lost 35yo. I have not paid any attention to retirement until now. I currently have multiple accounts at multiple companies (voya and tiaa) totaling something like $80k. New job does not have benefits through employer. Total noob but I gather I want to bundle this amount into an IRA. I’ve read a little online but is there someone I can go to to ask all my q…

403b from employer, am I supposed to be selected investments? I’m 25 with a 403b from my employer through Fidelity. I’ve heard that I need to be investing as high risk for my age. Is that just for 401ks? Is this something I am able to do with my 403b from work? What would it look like? submitted by /u/slut4spotify

Claiming a dependant significantly reduced my withholdings? I think my employer did something wrong? After i had my son, I changed my federal withholdings from 0 to claiming my single dependant son, which was in the amount of 2000 on the form (# of dependants under 17 multiplied by 2000). My federal withholdings went from 120 to about 30 dollars per pay period and I get paid weekly. Something must be wrong? I went from having over 10k FIT withh…

Question about an employer asking for OT back At my work I get paid 5 different rates depending on what I’m doing. For roughly 5 years the company cfo told me that my overtime was paid at 1.5x my highest rate. Now they have a new cfo and are saying that that was a mistake and that they pay overtime at 1.5x the blended rate. They’re asking for the difference in the two results for the overti…

My employer is not paying me for all the hours I worked. I used to work part time but now I work full time and they’re not paying me for all the hours. I clock in and clock out and I send them the hours I worked. I called (they barely answer their phone and sometimes their office is closed) and informed them to pay me the correct hours but they’re still not paying me. Even my coworkers were shocked th…

How much should I contribute to my 401k through my employer if the match isn’t great? Hi all. I’m working a contract gig, and the employer 401k match isn’t great. I just started saving for retirement (I’m 28) so l’m not well versed in what to do and can use some advice. Here’s what they offer: “You will be eligible for the company match of 50% of the first 1% and an additional 25% of the next 5% you contribute. The maximum match …

HSA payments being skipped by employer My company has been slow to put my HSA money into my HSA account. How long do they have from the date they took the money out of my payroll to pay me? State of Rhode Island for ref. submitted by /u/PrettyHovercraft2021

Do I rollover my old 401k into 401k for new employer. I have $48k in a target date index fund for my old employer and $600 in the new one. Should I roll that over to my new employer’s 401k? Neither one had a match. A new company took over my old company but agreed to continue contributing to our pension plan. I’m not sure what to look for. My coworker said she wasn’t going to because I guess she di…

529 for tax expense for course reimbursed by employer My daughter’s work place paid for a course and are now taxing the employees for the entire $5,000 course. Would this be something I could reimburse her from her 529 plan for–the tax expense only, which is going to be about $1200 over three paychecks. submitted by /u/OkDingo7056

Employer not depositing any 401k contributions I work at a small company (about 25 people) in Massachusetts. Earlier this year, we started a 401k. Everything went fine until about mid June when I got my money pulled from my paystub for my 401k but the money wasn’t going into the account (both my money and their match). This has been going on for six months and despite them pulling from my pa…