No Debts 30k in savings. How to invest? Hello everyone. 30yo mom of two divorced, here. I sold my house and currently rent with my two kiddos (weekends with dad). I got $100K in earnings which I used to pay every single debt I had, paid off my suv, paid off my student loans, all credit card debt and took a vacation. I have $30k left and I want to invest it but ídem where to start. I’…

I just started Fidelity Roth IRA what should I invest in? I am 23 rn and I am looking to invest long term. I would probably take it out when I am 60. Anyway, the most popular option I see are FXAIX or FSKAX. Should I be doing 50/50 in each?? Or you guys got another index funds to invest in? submitted by /u/Future_Inspector_692

How much should I invest pre and after taxes with my 401k . Company matches up to 8%. Also what’s the difference? I also have the option to invest in Roth 401k contribution but I left it at 0. submitted by /u/Joeyfemair

Invest more for retirement at 55 or save up for a 12 year lease? Hello I am 22 yrs old and I’m planning to move out by 2026. I make 2.3k after taxes and I’m not sure whether to put more money for retirement or have money for renting. I have not lived independently before and I can see myself getting more salary as I gain more experience. What should I do? submitted by /u/Atecno

Some capital to invest in one ETF – how should I do it? Hello everyone, I have a subsequent sum to invest and I would like to use it to buy S&P500 ETFs. Thinking about how I should do that, I have thought about two contradicting forces: I should not invest all this money in one time but space it between several purchases, in order to minimize the volatility ; I should invest it within a short peri…

Should I go all in on student loans or invest? I am an 18-year-old freshman in college going for a Chemical Engineering degree. I currently have a federal loan at 6.5% for $5,500 and a private loan at 6.5% for $19,500 which will cover my entire first year. I am not sure how much my later years will cost. I will be off campus after this year which should take it down a bit and my last 2 years…

Invest or pay down mortgage? My husband and I essentially just have what we’ve put into our 401K for retirement. We’re about to have a paycheck from selling our previous home. Our current home has a high interest rate (7.25%). After paying off our student loans and making sure we have a 6 month emergency fund, does it make sense to just put the rest of the money into our cu…

Is It Better to Invest Little by Little or All at Once? Time in the market beats timing the market—but only if you can stomach market volatility.

21 years old. Invest more in VOO or hold cash? I’m 21 years old with 30k saved. Right now I have 15k invested (7k in Roth IRA and 8k in taxable) all in VOO. I have 13k in SPAXX yielding 4.5% and the rest is a 2k emergency fund. I am a full time student but work all year and make around 20k. I also live at home and have barely any expenses ($100 a month or so). Question is should I buy more V…

How should I invest 15k as a 20 year old old? Im 20 and have saved up roughly 30k working on and off since high school and would like to invest half of what I have earned. I wont be paying rent for over a year and will be able to live comfortably with what I have left. I am not very financially savvy but have been watching youtube videos on investing and using my resources. Would it be bett…

How should I invest this money? I will have either 10k or 15k to invest with another possible 10k coming that could be added to what i already have. What is the best investment option for this rough account of money? Should I go just long term or do multiple short term options? Overall I’m planning for the long term. I’m looking for lowest risk with highest possible return. …

Do I stay with Nikon (and invest more) or do I switch and use adapters? Hey everyone, I’m in a bit of a predicament. Currently I have a Nikon D7000 with the kit lens, a 50mm f/1.8, and a Sigma 10-20mm f/3.5. I am planning to buy a 70-200mm f/2.8 (used). Now here is where I am stuck: Since I have a Nikon and some lenses right now, I am thinking of buying the 70-200 for a Nikon, but the body is quite old, and I hope …

Invest 2k or use it towards college? Hello, I’m going off to college in less than a month and I got a lot of scholarships and a decent amount of federal aid. I would like to say that I am very lucky and grateful to have gotten as much aid as I did. I’m looking at about 9k a year that I will need to attend out of pocket. I’m not in a position where I cannot rely on anyone in my fami…

Pay faster or invest I own a house with a mortgage rate of 2.875. My accountant told me that she recommends me to not to pay the mortgage faster ( currently I pay an extra 600 towards the principal which will pay my loan in 20 years vs. 30), and that some of the people she does the taxes for rather pay the mortgage for as long as possible. What are your thoughts? $7…

Should I invest my whole pay check into 401k Hello everyone, I started my first job out of college beginning Jan 2024 and my company offered a 401k plan with a 3% match. I knew nothing about 401ks due to the lack of me not researching. So I decided to just put 3% of my paycheck in since my company was just matching that percentage. Well back in May I started researching and found out I sho…

How would you invest $4,500? I’m 17 and have been working all summer. I’m on track to have about $4,500 in extra money that I’d like to invest in some way. I was originally thinking about opening a Roth and putting it all in there but wanted to hear some other options first. I’m not necessarily relying on this for paying for anything in the near future – it could be a long-…

Should invest in VOO, VTSAX, or VTI? Looking to invest $6000 into my first ever IRA. I’m 23 years old with 20k in a company 401k plan if it matters.

Is it wise to invest in my HSA atm? I am at a new job and moving into a new apartment. I’m currently making $26 and just started. My parents are helping with my first year of rent. I want to save money this whole year but investing the max I can ($3649.96) which is $202.77 every bi weekly check seems like alot . My company adds $500.04 annually making my contribution $4,150. Am I…

better ways to invest 18k? hi! im 20 y/o and have around 18k saved up. i’ve had it in a capital one hysa for about a year now, but just switched to marcus for 4.4%. what are the best ways to invest besides cds (12mo. @5.15%) and a roth (already done). would definitely be interested in expanding my investment knowledge but still kind of want to play it relatively safe. any…

What else should I invest in? I’ve bought stock, bonds, and some call options for 2026. My current budget is about three hundred dollars for this quarter. Diversifying my investment is my plan but I’m not sure what I invest with such a low budget. submitted by /u/Ok-Substance-2542