Should I Move Out at 29 or Keep Saving Money? Hi everyone, I’m 29, living with my parents, and debating whether to move out or keep saving. I make $95K/year, and living at home helps me save for a future house. However, I’m starting to feel the need for independence and personal growth. Should I keep saving or take the leap for my own space? Any advice or personal experiences would be great…

LPT Tip for Saving Money on Groceries If you’re trying to save money on groceries, shop in the evening! Most grocery stores discount items like bakery goods, deli meats, and even fresh produce later in the day because they need to clear out stock. I’ve saved so much just by going after 7 PM. Plus, it’s usually less crowded, which is a win-win!” submitted by /u/Sufficient-Tree…

Do I need to save money for taxes from Settlement ? I’m not currently working, got a 15k settlement. This will probably be my only “income?”for the year. I believe this will count as income so I would need to file for taxes for 2025…? I’m also wondering if i need to save 25% of it to back pay taxes when I file next year? submitted by /u/angiexbby

No money for a funeral, what are options My brother just passed and my mother didn’t have any insurance for him, she gets SSI survivors benefits and also on section 8/Medicare. Is there any assistance available that she may not be aware of. We haven’t gone to the morgue yet, idk what kind of pressure they’d put on us to see what we can do I read through page on wiki submitted by …

Are there any ways to save money that I’m missing? I… live in the cheapest place in my town don’t turn on the heat to save power only buy the very cheapest groceries eat as little as possible drive as little as possible never go out have the cheapest available cell phone plan the cheapest available internet no subscriptions of any kind and I still live paycheck to paycheck with zero savings. I…

Still stuck making NO money as a creator? I was in the exact same place 2 years ago. I am about to launch Creato Base, it is a FREE website where creators build a portfolio to showcase and get hired by businesses.If you want to be one of the few creators to be the first to try out the website and use premium features for FREE, just comment “CREATO” or send me a DM and I will get back to…

How much money should I hold in my savings? Hi, I am 21 and would like to know how much I should hold in my savings. I currently have $5000 in my savings and $1000 in checking. I am a college student and don’t have many expenses other than gas, which is about $40 a month. I currently have a Roth IRA, which I max out yearly. I also have an on-campus job from which I get about $750 monthly….

18 year old with no clue about money or how to save Never really had much personal money growing up and I knew how to ration when I needed to. Fast forward to now , im 18 years old, a university student who gets student funding and is due to start working this month and Ive realised I have no clue about how to save or about Isa accounts etc and im so embarrassed I have zero in savings as I spent…

I suck at money and need to learn I’ve got CC debt and student loans, altogether about $60,300. I’m awful and so so dumb when it comes to money and this year will be the year I finally take the reins on my finances. I know I need to start budgeting first of all. I’m so overwhelmed by all the jargon and what not and don’t know where to begin. Where do I start? Which books/website…

How should I split my left over money? Hello, After expenses, I have $2000 left each month but Im having a hard time figuring out how to split/priortize between my HYSA and brokerage account. I was thinking a split of 60/40. Months My goal is to buy a house in about 5-7 years from now. Should I priortize my brokerage account and when the time comes, sell for a down payment or should…

Should we recast or hold onto our money? Hi everyone! Heres my situation Bought a home in Chicago for 380 at around 7%, but because Chicago taxes are a bitch, my monthly payments are HIGH, 3200! My husband and I made good money and we also have a renter paying 900 a month. That said, we work in tech and have some anxiety about the stability of our high paying positions. We would also …

How much money you spend from the potential you could invest? Totally hypothetical scenario. Let’s say you inherit 100K in some way. As cash, that would be enough for 5 years in your life. Or you could get a nice single-bedroom apartment with that amount. You also have a steady job that makes 20K a year. The base idea would be to put all that 100K in an investment plan. In 10 years that money could be ~220…

raising money smart kids As an adult who did not get financial education in my youth, either from school or family, I’ve made it my mission in life to change my kids’ stories. I’m still learning this myself, and hoping to pass on to my kids even just the right attitude about money. For those who were fortunate enough to have been learned much younger, or were successful…

Laid Off. What should I do with my money? I’m 30F, and was laid off today with no severance. I was not expecting this, and my goal for the next few months was to start my investing journey. Like I literally opened a Roth IRA with Fidelity a week ago, maxed it out for 2024, and then maxed it out again YESTERDAY for 2025 (and I’m still researching what to invest in so it’s just sitting th…

Advice Needed: Running Out of Money While Unemployed I could really use some advice about stretching my finances and finding resources as I navigate a tough period of unemployment. Here’s my situation: Background: I’ve been unemployed for 8 months after losing my nice job at the Director/VP level. My prior income was $160-$180K, and I live in NYC. Since my last gig was consulting, I didn’t quali…

What do I do with my money as an unemployed grad student? I started grad school In July and have some money saved up while I was working prior to classes beginning. I also have money given back to me from my loans. Ive been having stress these last few months about my savings because I dont want the money to just sit in my bank account anymore. Prior to starting school I played with the idea of putting…

Can’t stop obsessing over money I am currently employed and have saved up some money for Emergency and also have some considerable amount of debt. Now the thing is I’m finding myself obsessing over money all the time. Checking my bank accounts and credit card accounts. I check my balance few times a day for just no reason. I find myself literally calculating my daily pay and …

What do with PSERS money after leaving school job? Hi – I worked part-time as a teaching assistant at a Pennsyslvania school district for 8 years. Quit job in May 2024 and became a full-time college student to pursue degree in Nursing. What should I do with the PSERS money – transfer it to Vanguard or Fidelity IRA? Leave it with PSERS? My PSERS membership class is “T-E” and membership status is …

Details on how to take money out of a 401k and retirement accounts I see lots of posts on how to fund and transfer and all sorts of things related to 401ks and retirement accounts. Now I’m only 30 and not close to retirement and am funding my 401k , but are there any vids that explain what to do when you get to the retirement age. Like I know you need to be 59 or 60 to pull money out tax free of a 401k but ho…

All money into retirement accounts? I’ve been maxing out my 401(k) and saving about a Roth IRA-worth into a non-advantaged brokerage account. The argument for me to keep money in a more liquid brokerage account is obviously that I might want a bunch of money to, for example, buy a house one day. However, paying taxes on that brokerage account every year makes me sometimes wonder i…