Music withdrawal; completely lost in interest in listening to any type of music. Since, 2022 I have noticed that I listen to music less and less and this year it has come to a point where I have no interest in listening to any type of music. I used to be someone who had a huge collection of over 20000 songs from different genres and even knew many songs by heart, more so than the content I had to study for school. However, r…

Should I pay off my student loans before the student loan interest resumes on Sept 1st? I just received an email informing me that student loan interest is beginning Sept 1st. I have enough saved up from the past few years where I can afford to payoff the lumpsum amount and not have to worry about them, it would just take a chunk of my savings but I think it would be beneficial overall to not have to pay back the loans with interes…

LPT Request: How to start reading books and continue to do so without losing interest? It’s been like one and a half year or near two years since I read my last book, and those books were school’s must-read books so you could pass the exam and finish school, even then I didn’t fully read them because I didn’t find them interesting. From the books that I’ve fully read I think I only enjoyed two books in total and eversince those mu…

Low interest rates and loneliness: the origins of the pandemic crypto boom Glauber Contessoto, also known as “Pro,” records a video about Dogecoin. | Image: This Is Not Financial AdviceThis Is Not Financial Advice and Easy Money attempt to explain the extremely online financial mania. Their very divergent takes show how difficult it is to fully understand. Continue reading…

My wife’s most recent patch of med school debt is at ~7% interest rate. Should I stop investing for retirement until it’s fully paid off? Title Edit: I should mention this doesn’t include stopping 401K to meet match. More like stopping contributions to Roth IRA submitted by /u/SirIssacMath

Does it make sense to pay off my student loans when their interest is so low and I’m getting a mortgage in a few years? Relevant info: I have 32k in student loans, ranging from 3.76-5.05%, about ~100k in a HYSA at 5.3%, and no other liquid assets (rest is in retirement accs). I intend to purchase a house in 2-3 years, so I don’t want to take the money from the HYSA and put it into the market. I am already maxing out my 401k and IRA contributions. I don’t care ps…

Should I pay off my student loan balance when the interest starts accumulating again in September? I have a federal student loan balance of $9,700 and savings of around $36,000, so I can afford it. I truly don’t think student loan forgiveness will happen anytime soon and even if it does it sounds like there will be some provision in some form for people who paid off their loans already, so I just don’t see the sense in being shackled to inter…

Should I keep home primary because of lower interest rate? Ex and I decided to build a custom home on a land we owned. We got a one time close so we were able to get in when interest rate was 3%. 2 years later, we are getting divorced. I get to keep the house and pay her off. Mortgage on house is 900k. House is valued about $1.4. We have 2 children so I need a minimum of 3 bedroom for myself. I make 170…

Should I pay off my student loans before the interest returns? Posting on behalf of my wife. I have about $32k in student loan debts that have been in deferment for the past few years. Within that timeframe I have been able to save up about $42k in savings. I have no outside debt besides a $4k car loan and live in a HCOL area while making about $115k a year with a rent of $3100/month. My husband makes abou…

Would you pay off low interest (4.4%) student loans under my circumstances? As most of us know, student loan interest kicks back up in a few weeks. I graduated from college during COVID, so fortunately none of my loans have every accrued any interest. I have some money I could move around and get them gone, but I’m wondering if it’s the best move since the interest rate is so low. Here’s a breakdown of my current situat…

I have 6500 dollars in credit card debt that will begin accruing interest next month. Should I take out a personal loan to avoid such high interest? Hello, I am a 29 year old male in the US with a full time job. Due to a combination of increasing cost of living, unforeseen expenditures (usually in the form of vet bills for an elderly cat) and my own poor financial decisions I have 6500 in credit card debt on a card that will begin accruing interest next month. With credit card interest rates…

Treasury Bond offers ~5.4% interest for 3, 4, 6, 12 months *Note*: Rates are subject to change daily; rates are the daily secondary market quotations on the most recently auctioned Treasury Bills for each maturity tranche (4-week, 8-week, 13-week, 17-week,…

PayPal’s Real Stablecoin Strategy: It Wants to Earn Interest on Your Deposits High U.S. Treasury interest rates are a powerful short-term motivator. Everything else is theory.

How Long Will Interest Rates Stay High? It’s pricey to borrow to buy a business, car or home these days. Interest rates are expected to fall in coming years — how much is up for debate.

Should I pay my student loans in full before the interest accumulates? Here is my current situation. I owe $35,000 in student loans. There is no interest until Sept 1 so I’m thinking about paying them off in full at the end of August. I have $45,000 in an HYSA. $20,000 in a saving account plus an I-Bond for $5,000. I also contribute to a ROTH IRA and my 401K at work. I’m currently shopping around to buy a condo. I …

LPT Request: How to get someone who’s losing interest to start replying to your messages again? I have no problem getting people’s numbers in the first place, and getting them to reply. Quite often though they lose interest and start taking hours to reply or not replying at all. How do I keep their interest high, maybe even messaging first? submitted by /u/kozmos16

New Interest/What camera to buy? I’ve had an interest in photography for little over a year now and these last two months I’ve considered buying my first camera. The attached photos were taken with my iPhone 14 Pro. I attached them for your feedback/the idea it could help others point me in the right direction for a beginner camera I can use to feel out this interest a little m…

How bad is it to pay off low interest debt? I want to start making additional payments on my mortgage, but everyone acts like it’s the dumbest thing ever. It’s 2.25% about 117k with 13 years left I think. submitted by /u/boybossintech

Mortgage down payments in 7% interest environments Wife and I are looking at buying a new home in the next 1-2 years. We bought our current home in 2020 with a super low rate and put down as little as possible. Obviously things are very different now. We’d like to not be “locked in” to a dual income household; we want to have the option in the future for my wife to be a SAHM if we choose to sta…

Russia Raises Interest Rates, Trying to Cool Wartime Economy With the ruble weakening and the government spending ever more money on the war in Ukraine, Moscow took unexpectedly sharp action to curb inflation.