I’m 25 and I am still in school with no money Hi! I’m 25F and I’m approaching my junior year in college (late I know). I only have 10k in savings. I know I’m behind and it makes me feel terrible every day. I have bad credit and 675 and I paid off both my credit cards but my limits are very low. One card if $500 and the other $1000. My parents never taught me any financial advice. If you had…

Scammers – how to restrict access to one’s own money Having been a witness to a couple of large ($70k+) financial scams that elderly relatives have fallen prey to, I’ve begun to think about my golden years (I’m 59 now). The thing I’ve seen in both of those situations – and a couple of others – is that, aside from scam itself, the judgement of these folks got worse and worse over the years. They we…

How do i invest my saved up money? Hello, everyone! I’ve been saving up for a while now, but I don’t really want to spend it—I want to grow it. I’m still a high school student, but I already want to be financially responsible, especially since I’m growing up in a low-income household. I’ve figured out that I want to invest my money in stocks and similar things, but I really don’t…

Insurance service providers that promise assistance to travelers abroad in case of loss of documents and money (due to theft, robbery, or other reasons) – can they actually help a person who is left without documents and money before they manage to check into a hotel? The problem is that hotels face heavy fines if they accommodate a guest without recording the number of a valid identification document (because this document is lost/stolen/destroyed). A legally operating insurance company cannot bribe a hotel employee or use an organized crime group for illegal hotel accommodations. If the incident of losing t…

In Election’s Final Days, Dark Money and ‘Gray Money’ Fund ‘Dirty Tricks’ Big-money operatives are taking advantage of lax rules at the end of the campaign to hide the true source of their money until after the election is called — or for forever.

Tiktok is literally a money printer. Im literally just an 18 year old who locked in on tiktok for the past few months, and while im still in school, I make a full time comfortable living. The trick was studying the algorithm deeply and experimenting with it. I know alot of people want to start a new side project, and tiktok right now is literally perfect. DM Me with any questions, …

Turning 18 and want to be smart with money I turn 18 next year and I’ve been surrounded with friends/relatives being in debt and struggling to pay bills since forever. I want to stay as far away from that sort of financial stress as I can. My question is are there any accounts or things I can do as soon as I turn 18 that’ll give me a boost. I know basically nothing about finance and so a…

What to do with the money? I am an 18 year old, and I am currently in college. I l currently live with my parents (I live around 20 minuets from school so it makes a lot more sense to stay here that to pay for campus housing). My great grandmother recently passed away and we were all shocked to find out that she had a large sum of money, which she left in equal amounts to…

What should I do with money?? Currently I have $11,800 in credit card debt, and I still owe $20,000 on my vehicle. I don’t have lots in saving I will be given $9,000 for severance pay from work. What should I doo with that money? I was going to just put it in my personal savings account? Could you give me advice please I’m asking in good faith because I’m curious submit…

how to best spend my money hi. to start off, i only have 1 credit card open with 0 debt and money just sitting in my HYSA waiting to be spent. i am looking to open a new credit card to boost my credit score. but! i am applying to PA school in the next couple months. i have set aside 8k in my HYSA so i can apply. with that said, i’m looking for advice on how should i best …

Sending money abroad I am living in the US, but I am a non-citizen on F1 student visa (OPT). I would like to send my mom $50,000 from my BoA account to her account in my home country. (1) Would wire transfer be the best way to do it? (2) As the amount is large, do I need to report anything to IRS etc.? (3) Would you send it in US dollars or foreign currency? (4) As …

Question about money in my HSA I worked for a hospital 6 years ago and had HSA, I paid some into it myself. I moved from the US to the UK a year and a half ago so obviously I won’t be using it, because of the NHS. I got an email about my HSA statement, I have almost $1,300 in it. Is there any way I can get that money out, even just part of it? If not then it will just sit the…

What should I be doing with my excess money? Here are my stats: 45/F – partnered but not married yet – dual income, no kids $100K annual income less than $30K annual expenses $20K in a 9 month CD (5.10%) $25K in a HYSA (4%) $2-3K in regular checking account for daily spending, bills, etc… Annual IRA max contribution met already

How should I invest this money? I will have either 10k or 15k to invest with another possible 10k coming that could be added to what i already have. What is the best investment option for this rough account of money? Should I go just long term or do multiple short term options? Overall I’m planning for the long term. I’m looking for lowest risk with highest possible return. …

Where do I put money after Roth and 401k? (18 M) I just got a new job making some real money for the first time. At my previous job I opened a Roth IRA and contributed about 1K overall. If I play my cards right I should have around 4,000 after expenses to save per month. I already have my 401k contributions set to 10%. I am deciding which company to go to for a HYSA so I can put some t…

Tired of being “bad” with money My job required that we work mandatory OT for the past 18 months. I got used to the extra money and didn’t do anything good with it. The OT has ended and I’m bummed thinking about how little I saved (personal and 401k). I guess I shouldn’t dwell on it, but it hurts lol. -38M married with a toddler -Started making 100k in June of 2023 – 159k in r…

Should I pay more money to my dad? I’m 33 living with my dad (temporarily) as I was in between jobs. My dad is 74 and outright owns a home worth $600k and has around $120k in savings with a pension of around $20k per year which covers his lifestyle expenses. I earn around 120-150k usd. But only recently and I’m not confident I’ll have job security. I currently contribute aroun…

Books for parents that have money and don’t want to spoil their kids Hi r/personalfinance, A while back I thought I saw reference to a book that was written for parents in HNW and UHNW families that provided a roadmap for getting your kids on the right track with money so that they understand the value of it and so we as the parents don’t spoil them. I’ve searched here and Amazon and can’t find the title that sti…

What’s the smartest thing to do with my money? I’m a 37 y/o F. I make $120,000. My apartment is $1275/mo. My only debt is student loan debt. I currently pay $630 monthly (down to $53k remaining) with a 5.3% interest rate. I am paying over the minimum. I have a state pension and 403b. In addition to my retirement savings, I have 20k in a savings account. My financial goals include paying off…

I can’t save money for the life of me I have strong impulsive behaviors to just spend my money. I’ve been passively saving in different ways, (stocks, etfs, 401k, etc.) but as far as keeping money in my check account, I’ve tried making budgets and getting advice. But I’m just spending it away. I know it’s a behavioral issue but like how do I even go about tackling this? submitt…