Money allocations help 27M (if this matters) TSP:29,046.18(invested but no longer have a government job so no more personal contributions flowing in) 401k:8,081.40(invested) HSA:3,227.86 (2100 invested) Checking’s: 61,161.02 HYSA:41,957.64 (4.5%) Should I transfer my TSP to my 401k, or to a new ROTH IRA or just leave it. Should I transfer more from checking into my HY…

How should I manage my money now I will be getting more? I am 25 currently and I will soon be starting a job that will be over trippling the asset value I will recieve in compenation if you include stocks and cash. I have never had to manage proper budgeting before as until now ive rented my bedroom from my parents but now I will be moving into a job which will pay enough to alow me to save and live …

where should i invest my money? i will invest into retirement and stocks and emergency fund, but will still have a chunk left over. Where should I invest it? it would be around 20k that I wouldn’t know what to do with, this is my first salary so i just don’t know much and would love any insight submitted by /u/Vegetable-Tap-759

Can I put my money in an international bank? Sorry if this is a dumb question. Hypothetically, am I able to move my money from a US bank to a bank that is international and where my money would be safe if something were to happen to FDIC in the US? I know everyone says that won’t happen but just in case is like to know my options to keep my money safe. submitted by /u/aimala148

How much spending money will I need for a trip to Prague? Hi all, never posted in Reddit before but just wondering the general consensus on how much spending money I would need for roughly 5 days in Prague. Me and my partner are going there soon and I’m a bit skint so trying to budget. Flights + accommodation has already been paid for. We’re young so we are going to be drinking quite a lot. My estimate…

How are you creating ultimate value in the short term with your money? Getting into 2025, I’m really contemplating how I can continue to make my money work hard for me and generate the highest returns in the shorter term (1-2 years). I’ve been considering just opening CD’s at my bank for an interest rate of around 4.1% for 14 months before it goes further down as the risk is minimal. I keep light funds on the side …

Does Rocket Money Impersonate you? I tried the app to see the subscriptions which was cool I guess. They tried to negotiate bills with two companies. Both of them called me and said someone was claiming to be me. My cell company ended up putting me in a 3 way call with someone who said he was my brother and was negotiating my bill that we agreed on at the dinner table? Wtf su…

Found retirement money, what to do? I (54M) was recently contacted because there was a pension plan (!!!) I was enrolled in over 30 years ago at an old job. It’s only about $30k total, so I’m not looking at property in the south of France or anything. The pension is being dissolved, and I am being given 3 options for my money at the end of the year. First is just a lump sum distr…

Helpful Money Habits Ive found small habits when it comes to money are the biggest difference makers. For me, it was simply checking my bank account every morning. I used to avoid looking at my balance, and because of that, I’d overspend without realizing it. But once I got into the habit of glancing at my transactions daily, I started noticing little things: subscr…

What to do with retirement money? Let’s say I hypothetically have 3 million in retirement and no debt. What do you spend your money on at this point aside from food and experiences? submitted by /u/Reddituser123940

Money? Can i use Wise or similar apps to receive the payments ? Has someone tried it ? Whats your experience? submitted by /u/DazzlingShine_573

Saving Money Fast and Realistically Hello all, I am F 24. And I am currently ‘broke’, and I need advice on how to quickly and realistically save up the money. I don’t want to get into details about what happened but all I can say is that I thought I did the right thing and it ended up back firing. I have a wonderful job that pays well and I get great hours, but unfortunately with …

Best spot to put unspent money as a young adult? I’m a 23 year old grad student in the United States. I’m relatively good at spending less than I earn and my stipend income is high enough for a good life in the city I live in. My question is where is the best spot to park “extra” money, or the money that I don’t spend. 30% of my stipend income is immediately apportioned and put away into a HY…

If I got a sum of money at 18 and invested it, does it become my partners money once we get married? I’m a woman and I live in Canada (Ontario if it matters). I got it and immediately invested it with our family financial advisor and haven’t touched it since (I’m 26 now). I couldn’t tell you what it got invested into, one was a fund I couldn’t touch until 25 and I think a variety of low risk things. If I got married, would my partner need to b…

Parent has been stealing money from adult child – what now? Hi all, need some advice. My husband and I are helping out a friend who just left an abusive and controlling home life. They are 19, but their parents have controlled every aspect of their world. Their parents have all their credit card numbers, bank logins, social media, etc. etc. We are working with them to get bank accounts closed, card numbe…

If you’re not a professional making money from photography, what do you do with your photographs? I’m a hobbyist and very much enjoy taking photos in a variety of genres. Many end up either on social media or in videos documenting a trip or a calendar year. I have quite a few others on the walls of my home. More recently, I’ve begun submitting a few to a local gallery. What do you do with your photos? submitted by /u/GeekyGrannyTexas…

Should I open a Roth or wait until I have more money? I’m 24 years old I still live with my parents, due to the fact that I need a better car to get to a better place to work(I am saving up to buy and good car without a loan I have about 15k in my area a good used car that I want is about 17k). I am paying 2 federal student loans (which combined are like 5-6k) I have a 401k. I think I should at lea…

What to do with my retired parents money My mom is 81, and she has a federal gov. pension and around $850k in the market in various ETF’s, Mutual Funds and individual stocks. These investments have obviously done well over the past few years but I’m concerned about a market correction and her losing a sizeable amount of this. She’s in an independent community and will likely need assis…

What to do with gift money? Ok, so I’m being given almost $85,000. I will need about $35,000 for my general bank account, emergency savings, rent and necessities for a year as I look for a new job, rental etc (not being used all at once of course). I have about $30,000 in student loans (multiple small loans. Being paid by just above minimum on all but the one with the hig…

Moving Money Out Of A Teacher’s Bad 403(b)? My wife is a teacher who, when she first started teaching in her district 11 years ago, opened up a bad 403(b) with Edward Jones with very high annual fees. About 5 years ago, I helped her stop contributions to the account and shifted all of her future contributions to her 457 account through the state of Michigan which has amazing tax incentive…