27yo F in Australia looking to start journey of investing money… unsure where to start. Hi! I’m a 27yo F who has a steady job, earning around $1100 per week after tax. I work part time, so have the option of increasing my hours to earn more money, but I am comfortable with my work/life balance at the moment. My goals are to buy a property for my mum to live in, and to start purchasing investment properties. Ultimately, I want to be…

Should I start investing? I’m 18, this year’s my last year of high school. I have a youtubr channel that averages around 900$ a month, I’ve been thinking should I start investing some of the money, cause I’ve noticed that I sometimes spend it on dumb shit since I don’t really have a need for it right now, maybe spoil myself here and there, but ultimately, I think I shoul…

Investing into your mortgage Hey everyone! Suppose I had a mortgage with a 7% rate. If I make extra payments towards the principal each month, is this equivalent to investing that money into a fund with a guaranteed 7% return? submitted by /u/baltastro

Where to begin investing for a late starter? Hi all, I’m a late starter and really need to get my fiscal ass in gear and invest. Would love advice as far as how best to handle. I sort of know the gist (I think)–max out ROTH IRA, probably put the rest in index funds, but need a clearer picture. Here is my situation – 45, single, renter. Living in NYC I was laid off in 2023, but quickly …

How to ease into investing? I want to get started with investing for my future/retirement. 27 – no debt – 70k cash in HYSA – 5k stocks – 15k roth ira with about 80% of that in cash just sitting Ive been told VOO for my roth. But im hesitant to invest the remaining 80% liquid i have all in one go I also know i should save maybe 10k of my 70k cash as a E fund. I want to mov…

32 yr old Nurse Practitioner thinking about investing in real estate with parents before they retire. Hey everyone, I’m a new Nurse Practitioner and I’ve found a job paying $120k a year. I live in a run down, paid for home that I bought 10 years ago and have no debt. No partner or kids. No car payment. No health insurance payment. No student loan debt. I’ve spent my 20’s traveling, continuing education, and working side gigs and did 4 years in t…

Is investing $30 usd a month into VOO ok? Hi, I’m a 17-year-old student interested in starting my investment journey. I’m considering investing $30 USD per month into VOO. While $30 might not seem like much, it’s all I can afford right now as I’m still in school. Is this a good starting point, and are there any tips or advice you could share to help me make the most of my investments? I…

Why Taiwan’s Foxconn, an iPhone Supplier, Is Investing in Texas and Thailand The Apple supplier has spent millions in the United States, India and Mexico over the past two years to lessen its dependence on China.

Mortgage question when having cash versus investing Learker here, first time posting. My wife and I have enough cash on hand to pay our current mortgage off, 3.0% 30 year fixed, ~198k left. We can currently afford the payment. I am debating paying it off this upcoming year or letting the cash earn interest and “covering” the p/i portions. I am unsure about managing the county taxes and insurance …

Beginnger investing I am 20 years olds, make $17.65 an hour, I recently started to invest inside Robin hood, I wanted advice on what to invest and how much to invest gradually over time for it to grow. Also any recommendations for HYSA and even Roth IRAs, Im looking to be able to be debt free and retire early. Currently studying Information Technology when I can. I…

Confused by MAGI and retirement investing after 401k I make 120k per year before overtime/bonus and my wife makes 135k per year. We both max out our employer sponsored 401k accounts every year, we have existing Roth IRA accounts but we stopped contributing to them a couple of years ago when our total income neared the IRS Roth IRA income limits. I don’t fully understand the MAGI calculation and I …

Contributing over 20% for down payment vs investing I’m 31, in a relationship, and would like to purchase a house within the next 3 years. I currently have enough money saved in a HYSA for a 20% down payment, plus 6 months of household expenses. I am waiting to buy a home until after I get married (probably in 1-2 years – not technically engaged yet but gf and I are planning on it). My question i…

What should I start investing my Roth IRA into? Starting in January I will begin to use a budget I’ve been preparing for. My target is to make monthly payments throughout the year to max out my contributions. Out of curiosity what ETF or such should I begin to invest my Roth into starting out? This is retirement so I’m open to any suggestions. submitted by /u/OldPreference1239 …

How to start investing 30k of savings? About me •F27 •Located Qc CAN •0$ in debt •30k savings •im just finishing my masters degree so i do not have a career yet aka no stable yearly income •no real expenses: living with my parents and don’t own a car •my parents are NOT rich, i have worked and saved for everything i have Basically ive come to realize its a waste to leave my money si…

Will I be able to retire at 62 and slow down on investing? 30 year old female. Single. no kids. Make $75,000 a year I have 200,000 invested (ETFS) I get a 4% company match of about $3500 per year and $2000 in dividends from the amount I currently have in the market. I invested most of the outstanding cash I had this year also. If I stopped investing my leftover savings I had and just left it to the mar…

Should I stop investing until I have an emergency fund? Single 27F, making $28/hour, no debt, and soon to live on my own for the first time in my life. Unfortunately, I only have $1k saved in a CD as an emergency fund, but my goal is to have at least $6k. Should I completely stop the contributions I’m making to my 401k and Roth IRA until I’ve put another $5k in the CD? I know time is a huge part of i…

Easy investing options I’m 27 and know almost nothing about investing. I kind of avoid it because it stresses me out. I have about $10k in my Roth, but i honestly couldn’t even tell you what I’m invested in. I did it a while ago and just kind of let it sit there. I also have $78k just sitting in a high yield savings account. I primarily move money into there because i…

Retirement fund and investing Hi. Please judge my investing and retirement fund allocation. I make 65K at 27 years old in a high cost of living city. My job matches up to 5.5% to traditional 401k only, so i contribute 6% since there is no option of 5.5%. I think I read it has higher fees so I only do the minimum to get the free match. The only option in investments are targe…

Investing my $3.5k as a high-schooler Hi there everyone, I am a high-school student currently living in Turkey, and I am thinking of choosing a path in investment (possibly the US stock market) instead of a 2-week vacation in the UK. If you would recommend, I could add up around 3-3.5k USD more from my savings (which I’ve been saving for like 8 years now, it’s kinda mixed as USD, EU…

Is 529 really better than just investing in the markets ? As the title states, is taxes really the only factor 529 is preferred ? I have looked into it briefly for my kids but the restrictions and lack of fund choosing made me unsure if I want to put the money there for my kids. My kids are younger than 5 and I feel just putting the money in s&p and not trying to complicate it would yield a good retur…