Guidance for savings and retirement as a 23y/o Hey all, Context: I’m 23y/o and currently work remotely full-time (40hrs a week). I currently make $59,900 USD per year (gross). I get paid bi-weekly (around $2,300.00 gross per pay-check). Breakdown of current funds: Fidelity 401(k) A: Total balance: $10,578.96 Entirety of 401(k) is in VLXVX – VANG TARGET RET 2065 I contribute 5% of every p…

Opened a ROTH IRA need some guidance Hello everyone I open a roth ira like last week. I am planning to put 100 monthly for now. My question is when it comes to buying stuff to make it grow (EFTS is the most common I have heard) Is it possible to make this with just 100 a month if yes can someone explain me how and which to use but if not possible if there is any other recommendatio…

Moving our offline business online, need guidance I have limited tech knowledge but recently decided to transition our home and decor business online. The challenge is figuring out the website layout and essential features we need. There are many web builders out there, but I’m unsure which one would be the best fit. For those who have made a similar transition, how did you decide on a platfor…

Teladoc shares tumble on wider-than-expected loss, disappointing revenue guidance Teladoc shares fell after the company reported fourth-quarter results that showed slowing revenue growth and weak guidance.

Salesforce misses on revenue, issues disappointing guidance Salesforce missed analysts’ expectations for quarterly revenue in its top two categories.

RFK Jr. Announces New HHS Guidance Recognizing Only Two Sexes The new guidance follows President Trump’s demand that the Health and Human Services Department align with his executive order barring transgender athletes from women’s sports.

In need of guidance on debt resolution We fell into deep credit debt, we got desperate and signed up with “beyond finance” debt solutions. Long story short, we owe discover 13k, they refused to work with BF on a settlement and since turned us over to debt collection lawyer firm “Weltman Weinberg resolutions” they want 10,768 to settle the debt, BUT they want it all in 1 lump sum paym…

Merch fulfillment guidance. We have approx 300k followers on Instagram and are planning to offer some merch (t-shirts and hats) soon. Our audience is very active.. but we have not offered merch previously so I don’t know what to expect. But even if 1.5%, wanted our merch that is more than I could handle in terms of doing all of the shipping myself. I was looking for guidan…

Investing guidance for retirement. Hello All, I am 46 yrs old and have some cash laying around to be invested in my personal bank accounts, in my Roth, my wife’s Roth, and in HSA. However, I’ve been putting maximum amount in my 401K which is invested via fidelity. Based on the discussions I have been hearing, its wise NOT to invest all the money in lump sum. And I am ok to pu…

Guidance for 401k and Roth IRA funds First Time investor here and looking for tips. I’m just getting around to investing this year and would to get some guidance on mutual funds/stocks that you all prefer. Currently have a 401k that my employer matches at 3% to my 6%. It is currently investing in Putnam Retirement Advantage 2055: X. I’ve read that it may be wise to look into the St…

Microsoft shares slip on weak quarterly revenue guidance Microsoft intends to address execution challenges in its key cloud unit, while continuing to endure supply constraints.

Guidance for starting a career I am someone who loves doing creative things or anything that has to do with creating an aesthetic which is why my initially chosen career path wasn’t as fulfilling for me. I have never worked a creative job or have an experience regarding graphic designing or anything related to that. I surely have helped my friends with creating logos for thei…

Guidance Request: 401K to IRA (Empower to ?) For the past 6 months I have been reading through posts related to a question that been running through my head: “What should I do with the $200k I have invested in my previous employers 401k – managed by Empower”? The 5 year Rate of return with Empower (1/8/2020 – 1/8/2025) is 8.98% annualized, and 53.72% cumulative. I assume this is not bad? …

Job said they cannot pay me. I need guidance. I just came back from a vacation (unpaid) and expected to receive a check from the week prior. Later this afternoon, I was informed by my employer that they will not be able to pay me or other employees due to financial issues and the fact that the office has not been doing well. I contacted my manager and informed them I have bills to pay and t…

Where to turn for Real World Personal Finance Guidance? I’m very lucky to have progressed as I have in my career. I’m in my mid 40s, married, two kids (16 and 14) and have a pretty solid salary ($295K). I max out my 401K and IRA through my employer, although I’m panicking about how much I should have squirreled away already. I also receive small stock equity grants annually and have been putting some…

Need guidance on where to begin saving/investing. Renting in VHCOL. I’m a sahm to 2 kids, one on the way. We started having kids young. We’re 29 now and very aware that we need to save/invest but really unsure where to begin. Husband is making ~135k a year not including bonuses. We’re finally starting to feel good about our finances and need to make the next step to really get in control of ou…

Guidance needed on upgrade options ? I have owned a Nikon D3200 and the kit lens since 2014 but I haven’t used it in over 5 years up until recently. I purchased a 35mm f1.8g to take pictures of my 2 year old as well as family gatherings. The setup seems to take great pictures when she’s very still but this isn’t very often because is is usually non-stop. I have really been enjoying…

Lost Baggage Guidance I have been reading many other posts so I am going to see if there is any advice on my situation. I flew from RDU (Raleigh), JFK (New York), to CMN (Casablanca Morocco). I flew American Airlines domestically and Royal Air Maroc internationally. My bags did not go with me in cargo as the plane was “too heavy” and I even needed to check my carry o…

Micron shares plunge on weak second-quarter guidance Micron shares plunged in extended trading after the chipmaker issued weaker-than-expected second-quarter guidance.

Young dumb and in need of guidance I’m 20(m) and I messed up and got a commission job just after buying my very first house with a $20k down payment. No help from parents but just saved like hell. After moving 4 hours away to this commission job it turned out to be nowhere near as fruitful as I was promised and I ended up sticking with it for too long and got my first credit card…