Messed up backdoor Roth. Am I hosed? Early 2024 I maxed out my Vanguard Roth IRA for the year. I then unexpectedly made more than the max income limit. A few months ago I recharacterized the contribution to a new vanguard traditional IRA, and then did a rollover back to my Roth IRA. I just now realized that the pro rata rule applies to me because I have 50k in a fidelity rollover I…

I messed up my Roth IRA My husband and I usually do a backdoor Roth contribution. The other day I contributed $3000 directly to my Roth IRA and realized my mistake too late. The amount was never invested. I withdrew l that cash $3000 about 2 days later. Unfortunately, my Roth IRA says I can only contribute $4000 to it now . It still shows as me having contributed $300…

I genuinely messed up and need to figure out what to do Hi, I want to start by saying I am deeply overwhelmed at the moment and just trying to figure out a path forward. Some background: I have never been good with money. Despite my best efforts I have not been able to get my shit together. I grew up pretty poor and with a mom, who was for the most part a single mom, who also is not great with money…

Help! I am scared I messed up my teen son’s credit. I’m a single Mom and I struggle a bit. When my son was 16, I put him as an ATP on a credit card so he could use it for a gas or emergencies. I used it several times and always paid it on time. It’s a Credit One credit card and a very low amount, but again, as I said, I struggle sometimes. So I’ve had some missed payments within the past year, an…

Messed up and didn’t have a stable job for 6 months Okay for clarification, 23M currently going to Uni and had no real job prior to September 2022 because helping my family business. On march 2023, I left my job thinking I would get a job easily and reality hit, and didn’t have a good job until August but then I had to leave my house because of toxic family. Now living with my girlfriend and her …

I messed up big, don’t know what to do I am 26 years old, living in Turkey, and I’ve been running an Amazon business since 2021. I’m not entirely sure why I’m sharing this post, but I believe I need some support. Initially, my business was doing great, and as a young man, I spent my money on frivolous things like dates, extravagant dinners, fancy gifts, watches, and more. However, a …

I messed up. Bad. JPEG vs RAW I’ve been waiting 10 years to make a trip to antelope canyon, Sedona, and Horseshoe Bend. Somehow, I, and the mistake is entirely my own, held the zoom in button on my D750 and rolled the roll bar thing and told the camera to shoot only in JPEG fine vs RAW. I then jumped into two extremely famous slot canyons that are immensely reliant on shad…

Schwab called and said they messed up on a conversion, and I owe taxes – what would you do? Hi all, just got a call this morning from a transaction couple of weeks ago. I created a new traditional IRA account on schwab, then converted it into a roth IRA for the limit gross. However, schwab’s rep who assisted just called and they said made a mistake, and withheld the taxes which was almost half the amount of the conversion. But said the…

I messed up so bad and need some help Hi All, ​ I want to start by saying I messed up in a big way. I had a great job making north of 200k until recently. I grew within the company and don’t think I will be able to find a job making anywhere close to what I was making at my previous job because I don’t have the “formal” training required for a similar position. In 2021 I unexpectedl…

I think my lender messed up. I’m trying to purchase a home for $275k and was told in an email sent to me by my lender that she secured 65k in down payment assistance for us as we are first time homeowners. We put in our DD and earnest and got the inspection done. We were waiting on the appraisal and when we asked our lender what was going on she ghosted us for three days. C…

Messed up my credit at 20. Is it over for me? I’m 21 now. When I was 19, I had an average 750 according to the 3 credit bureaus. Totally fucked it up a year ago when I lost my job while having a balance (3-4k) on Amex cards which went unpaid for months before my accounts were closed and referred to collections. As of 8 months ago, I have paid off every single credit account I had. I owe ex…

Insurance Messed Up Car I hope everyone is doing well. I’m sorry if this isn’t the right sub to post in but I desperately need some advice. I drive a 2008 Mistubishi Eclipse Spyder (Convertible), May 11th 2023 I was T-boned and my driver side door was all messed up including the rear fender. After 4 long months of waiting insurance finally told me that my car was ready…

ANA Messed Up Big Time!!! Hello everyone, hoping to get some advice here. My wife and I are currently in Japan. She is an Iraqi citizen and I am American. We decided to change our flight date to go from Tokyo to Mexico City from the 19th to the 20th this month. So we called ANA and immediately felt like the agent wasn’t the most competent agent we’ve ever spoken to. We…