#idiot

I’m an idiot. Rolled my 401(k)s into my new employers plan and regretting my decision.

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I’m an idiot. Rolled my 401(k)s into my new employers plan and regretting my decision. So, as the post heading says, I am an idiot and do not know enough about personal finance. The least I could’ve done was a cursory search of Google or Reddit before I made this decision but alas, here we are. I had multiple 401(k)s out there from past employers and decided it would be nice to have them all in one place. The old 401(k)s were at P…

Reddit Personal Finance 969 2025-01-11

I’m an idiot an never finalized my 2021 taxes. How screwed am I?

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I’m an idiot an never finalized my 2021 taxes. How screwed am I? I’m owed a refund, but everytime I tried to submit them, I got an error saying my (now, but were separated at the time) wife claimed the kids on hers, so they kept denying mine. She didn’t work, so I don’t know how she would have filed taxes (stimulus checks maybe?) I ended up removing our kids from mine but never finalized and filed them. I fe…

Reddit Personal Finance 420 2024-12-24

I’m an idiot and zelle’d $5000 to the wrong person

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I’m an idiot and zelle’d $5000 to the wrong person First of all, I recognize how incredible careless and stupid I was in doing this… no excuses. Yesterday, in error I sent $5k to the wrong contact in my Chase app using Zelle. The contact is someone in town who owns a shop that I’ve made purchases from before. I immediately reached out to them on the phone and explained the error. They seemed u…

Reddit Personal Finance 1.0k 2024-12-22

idk what to do. was an idiot 18 year old

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idk what to do. was an idiot 18 year old i’m 20 now but at 18 i hated my life and was suicidal… didn’t care if i ruined my future. well, fuck me bc that was a terrible decision. my credit score is 510 and i have 4 charged off credit cards. 2 in collections, 2 that aren’t. i need to know what to do. my total debt on all 4 cards is $3k total… i currently have a job and make about $450 a…

Reddit Personal Finance 966 2024-07-04

Shooting a wedding In a week , (I’m an idiot) please help?

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Shooting a wedding In a week , (I’m an idiot) please help? Hi guys As the description says I have to photograph family members wedding in a week, they don’t want a Professional for it, it’s a small family and friends get together and they want candid photos. I’ve covered a little photography in college but haven’t really done anything in a year, if anyone could kindly give me tips and tricks for camera …

Ask Photography 595 2024-06-23

I’m an idiot, this truck payment is becoming a problem.

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I’m an idiot, this truck payment is becoming a problem. I own a small contracting business and bought (financed) a used 3/4 ton pickup two years ago. Business has been doing really well and so last year I bought a “stand-up” or “sprinter van type” ford transit. The transit I bought outright for 19k, the truck was 48k financed 38k. Payment on this atrocious loan is 598$ and interest is 7% or somethin…

Reddit Personal Finance 477 2024-06-23

Breaking lease for more expensive rental? Am I an idiot?

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Breaking lease for more expensive rental? Am I an idiot? Making 82k in the southeast with no car note and less than 3k credit card debt and no kids. Combined with partner we make around 115k. Have about 15k savings towards buying a house/emergency fund. We’re currently renting a 2 bed 1 bath house in a okayish part of town for $1300 when the average for comparable place is $1500-2000. It’s cheap for m…

Reddit Personal Finance 412 2023-10-29

Am I an idiot for accepting a job with a $2 pay cut?

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Am I an idiot for accepting a job with a $2 pay cut? I’m just about to move in to a new place that is more expensive then my last. This job has all benefits (no co pay) better work and life balance, a team of young professionals working. Meanwhile my job (rn) I work with my boss /CEO every day bc she has yet to hire a 3rd person after letting them go back in Feb. workload is crazy. No room for gro…

Reddit Personal Finance 158 2023-09-01