Am I overthinking what to do with my finances? I’m currently 21 y.o. and this will sound silly for someone my age, but I feel stuck right now and don’t know what to do with my extra $. I make 40k a year. I’m debt free besides my remaining balance on my braces (about $1.8k, 0% interest) My employer pays for my college tuition. My “net worth” is just a bit over 100k. A simple breakdown is $15k…

Been passively investing in 401k but want to be more serious about my finances. Hey everyone, I’m 25 y/o living/working in the US making a $97k salary. Up until this point, my only two “investment vehicles” have been my regular checking/savings (fluctuates between $15k-$20k) and my 401k (currently at $43k). Besides my terrible spending habits, I pay $1500/mo rent in a L/MCOL area and can spend probably another $1000/mo on …

App for separate but mingled finances. I am wanting to use a personal finance app like Mint, Monarch Co-Piolot or something of the like. For the most part, my partner and I’s finances are separate except for a shared checking account and the bulk of our expenses, which go through my credit card account. It is set up as follows. I have an Amex account with three cards. One card is fo…

Sharing finances with sisters? Yes or no? Hey everyone, I (31m) recently had a little wake-up call about money within my family dynamics that got me thinking, and I wanted to share and hear your thoughts. Unlike my sisters (33 and 34), who had university and early adulthood financially covered by our parents, I walked a different path, shouldering my own costs which led to a €80,000 deb…

Deceased parent’s finances don’t add up I’m looking for some help figuring out what could have happened with my deceased father’s finances. My father passed about a year and a half ago, leaving behind an unbelievable financial mess. The mess included several years of unpaid income taxes and property taxes, as well as unpaid bills, drained bank accounts, and surprisingly little life in…

Need Help with Finances and Options – lots of debt, not much income Not sure if this is the right reddit but I need some advice. 25 yrs old Rent is 1k/mo Have a job but income is inconsistent – 2100 guaranteed per month, commission based (this has slowed down the last couple months but has begun speeding up Have about 28k in personal debt – 4 months behind on payments – payments about $800/mo Have 20k car loan 5…

I made a personal finances flow chart for fun Let me know if there are any issues or if I’m missing something! I couldn’t find a baseline infographic or flow chart so I decided to make my own from my current understanding. Any feedback is appreciated! I wanna print it haha https://imgur.com/a/OuBb2ma For mobile users: https://reddit.com/r/Flowcharts/s/JEYVNJo4Kw submitted by /u/moopy…

Our finances are in a mess, what can we do? My husband (64m) and I(57f) are in a financial mess. We acknowledge that we have made mistakes, but are now at a loss to figure a way out. My husband is disabled, but works part time at a school. I work in retail. Together we make about 65,000 annually. We have 15 year old twin boys still at home. We were doing ok until this year, when i needed…

‘Girl Math’ Isn’t a Joke for Your Finances Ever paid for a ridiculously expensive drink in cash, hence it was “free”? Or spent an extra 30 bucks just to get “free” shipping? Or avoided looking at your credit card statement, because if you can’t see a spending problem then surely it will go away on its own? Welcome to the mental gymnastics of “girl math.” Read more…

Evaluate My Finances 33yr Old How do I invest moving forward? Where do I go next financially? I am a 33 year old male not married but in a committed relationship but we don’t share bills or accounts. I work two full time jobs. I have done so for three years in a row and it has taken a toll on my body and my mind and my relationships. Job A is very easy and I make 70,000 a year from 8-4 Monday through Frida…

Beyond Finances: Other Types of Retirement Planning Building a retirement fund isn’t enough to prepare for life after work. Consider the social and emotional aspects of retirement, too.

The Job Is Managing State Finances, but His Issues Are Jan. 6 and Abortion Ryan Bizzarro, a Democrat and member of Pennsylvania’s House of Representatives, announced a bid to challenge the Republican incumbent, Stacy Garrity, by invoking issues galvanizing to Democrats.

How can I grow my finances? Hi. I’m pretty new to the growing wealth world. I was taught the traditional ‘save your way into retirement’ and when that was great for my parents’ generation it did not work for me. No debt. A good amount of savings. I’m looking to grow my finances by hiring a fiduciary financial advisor or doing it myself. 1. If I want to hire one where would…

Seeking advice on how to handle finances in a divorce I need some help with handling financials for a divorce. Thankfully it’s a boring divorce and mostly drama free. The most difficult part is getting my equity out of the house and getting the mortgage into her name. What’s making this so difficult is high interest rates and her not being fully financially independent. Here’s a rough summary of wh…

How a Government Shutdown Could Affect Your Finances Government funding expires when the clock strikes midnight and it becomes Oct. 1, which marks the start of the new fiscal year. If Congress doesn’t get it together in the next eight days, millions of Americans could feel the effects of a government shutdown directly in their pocketbooks. The White House issued a stark… Read more…

please help me get my finances in good standing I come from a family who does not have a good relationship with money. I took a financial literacy class in 10th grade but that’s all the finance help I’ve had. I’m currently in a great deal of revolving debt for my age. I got myself into this mess by irresponsibly maxing out my credit cards on my “boyfriend” (he didn’t want any titles, said we …

LPT: Don’t Wreck Your Finances for Engagement Ring It’s an emotional purchase that can make you blind to common sense. I was going to beg, borrow, steal, literally gamble and anything else I could to get more money for a £££ piece but my tip for now is, don’t. I’m now getting a ‘cheaper’ ring within my budget. Cheers. Edit: Figure of speech, I was not literally gonna steal for cash. Considered g…

We are pivoting from willful ignorance to addressing our finances for the first time A little bit of a backstory: My wife and I (both 30) have had quite an eventful few years of big life events. Since graduating college (and before that you’ll see) we have paid pretty much zero attention to money. We’ve had enough to do whatever we wanted, even with exorbitant loan payments, and saving wasn’t even a thought. We got a dog, bought…

Look at our finances and help us make a choice… do we build right now? We have outgrown our 1k sq ft 2 bed 1 bath home and looking to build in the better area of town. Safer area, bigger house, better school district, etc. We each make $35/hr and $28/hr in Eastern WA. Guaranteed overtime, we net between $9-10k a month. We currently own our starter home since 2015. We owe $130k on it, and can sell it for $300k eas…

Is there Person I can talk to about my finances? I don’t know where I stand and was wondering if I could talk to someone that could figure it out better than me submitted by /u/doogidie