should I save some money on a cpl filter? I’m not sure whether to get the k&f nano k or nano x filter. I need a cpl for my lenses and I’m not sure if the difference is worth the money. submitted by /u/AlexDoesRandomStuff

Surplus money, not sure what todo with . Me and wife have accumulated around 50k of surplus we don’t know what todo with.(not counting an emergency fund of around 10k)Currently it’s in a money market savings. But feel like it could be doing something better for us. Debt wise we have just our house, 290k Everything else is paid off as of now. submitted by /u/ZealousidealGoal7630 …

Opodo not refunding my money I bought flight tickets using Opodo. As there was a mistake in the booking I contacted the airline within 2h of making the reservation to cancel and get refunded (as per the policy of the airline). Airline confirmed the refund and sent me confirmation. I contacted Opodo 7 days later (per the EU, airline needs to be providing the refund within 7 …

Yes, You Can Have Too Much Money in a Savings Account Money is weird. Almost everyone in America thinks they’re middle class, which obviously can’t be true—but that underscores how broke most people are, even people who ostensibly make a good living. The fact is, 58% of Americans say they live paycheck to paycheck, which is bad, and 53% say they have exactly zero dollars… Read more…

What is the best way for my money to grow? Recently got a new job where I am able to set Atleast $1,000 a week to the side, which I’m currently stuffing in a HYSA. My main question is, is there something better I can be doing with my money to maximize growth? Or should I take the extra 1000 and put it towards my loans? The reason I’ve put it so far in a HYSA is because the job doesn’t al…

Not sure what to do with my kids money. Hello all, I have 2 children. They have collectively around $1500 USD. My son has a little over a $1000 and my daughter has around $500. My son is 2 and ally daughter is 1 1/2. I’m wondering what to do with their money. I’ve researched and have seen that putting their money in a Compound Interest account is more ideal than anything else. I just …

How much money should I have to start an investments account? My wife and I would like to start an investments account so our money can “start working for us”. We totally get this is a risk vs reward thing, that’s not at all the problem or question we have. Our question is how much money should we put in to start it? Is there a minimum banks will generally allow? Or a minimum to make it worth it? If we put…

Should I spend money in a HSA at all? Say my medicine cost $50. If I pay with HSA then I’m using pre-taxed money and I have an extra $50 to invest. If I pay with cash then I can invest the $50 in my HSA instead. In the first case I’ll have to pay tax on capital gains when selling the stock, in the second case I won’t. Sounds like it’s better to keep the $50 inside my HSA and spend …

Wow, so the IRS says I owe them for money I never received OK, so I worked for this company 1099 and paid my taxes for every year I worked there. I quit completely 31Dec2021. I received my retainer (money held for repairs on my work) in 2022. I reported that retainer and paid taxes on it. This year (2022), the IRS says I made $160K from that company on a 1099 and expects me to prove I didn’t. WTF? The b…

I Went Overlanding Once And Now I Want To Spend All My Money On Rooftop Tents And Old 4x4s If you’ve been into cars at any point in the last five to 10 years, it’s likely that you’ve been exposed to “overlanding.” This is the off-road phenomenon that prizes longevity, reliability and comfort for long distance over the ability to do crazy rock crawling, etc. Seen a 1990s Land Cruiser with a fridge and a roof… Read more…

You Can Save More Money in Your Retirement Accounts in 2024 Good news for savers: The IRS announced yesterday that next year’s contribution limits for 401(k)s and other tax-advantaged retirement plans are being increased to account for inflation. Since it’s always a good idea to max out your retirement contributions, let’s take a look at what these new limits are for the 2024… Read more…

I need 4K now and all the money I have is in my 401K As the title says, I need to pay off a loan today of 4k. I have about 9k in a 401k that I opened up with Starbucks about four years ago. I no longer work there and I stopped contributing to it since. I also have about 2K in an individual investment account with fidelity. I have no financial experience. How should I go about pulling money out? Be…

What’s the best way for me to put money In the s&p 500? I’m 19 and I recently received around $14,500 from my grandma. She saved it for me to use in college/trade school but as I’m not planning to do any of those I want to put it in the s&p 500 and leave it till I’m around 25-27 and use the money for a down payment on a house. By my math it should grow to about $25,000 by then. So my main question is…

Money is tight. Switching to HDHP worth it? Currently i pay roughly 300/mo for health insurance through my work for a super low deductible plan for just myself. My deductible is 800, max out of pocket is 3500, and coinsurance of 20%. We have a much cheaper HDHP available which would cost me about 90/month. The deductible is 5k and max out of pocket is 6k with a 10% coinsurance. This mont…

What to do with wedding money? My (30f) husband (33m) just got married and we were very fortunate to get about 10k in cash as gifts. We have 0 debt – we have 1 car that is paid off, no student loans, no credit card debt. We live in a VHCOL area so we rent an apartment. We make 200k between the two of us but houses near us are over 1.5 million so we think buying here is off th…

How to approach my debt with severance money? I recently got laid off and for 10 weeks i will be getting $1100 pre tax. Im not sure how i will receive my 401k which has $18k and my pension plan is separate which has $15k (i’m only 23). I also have another job i will be starting however this new job pays biweekly, roughly $4500 a month and this is without incentives and extra days worked (I …

What do I do with the money I am saving to buy a house in 6-8 years? Hello, I am starting to save to buy a house in 6-8 years give or take. I am 23 making around 70,000. I have been doing to research into what my best course of action is. I would like to gain some interest instead of just keeping the money in the bank. I do have a Roth with my employer where they match 100% up to 4% that I plan to max out. Would …

Venus, Love and Money – What’s Your Currency? I want to get into “energy exchange”.  In my world, “energy” is “currency”.  Venus in a natal chart, describes what a person loves or values. Each individual has their own taste. What you have to offer may not be something … Read More…

How does one even save money? I’m fresh out of college and working in my industry with an annual income of around $40,000. Despite this, I’m struggling to save even 10% of my monthly earnings. Approximately 65% of my income goes into necessities and unavoidable overheads, while the remaining 20% gets spent on occasional luxuries like dinners with family and friends (which ha…

A Push for Tech Hubs in Overlooked Places Picks 31 to Vie for Money A new federal program will be a test of whether spreading funds outside of big cities will result in economic gains, or in inefficiencies.