How should I be saving my money?? I am 23 years old, 1.5 years out of college, currently make about $3100 a month. It’s low, but it’s increasing multiple times a year. I’m also a 1099 freelancer but have steady income. I live at home so my expenses are low. I pay for everything except housing and large bills. I currently have a decent amount saved and it’s dispersed as: -Chase c…

Saving for retirement – should I start a Roth? I moved to the US four years ago and would like to understand whether I am saving for retirement efficiently. In particular, I’d like to know whether I ought to be contributing to a Roth. I would guess that my income in retirement should be lower than today, which makes me think a Roth is not worth it. But I know a Roth has some other benefits t…

What camera are you saving up for and why? What camera have you been eyeing and/or saving up to get and what made you choose that camera over any others on the market? submitted by /u/shewasafaeri3

How to start saving for retirement/investing. Ok I’m 33, married with a 3 year old. My wife and I built our dream home and it took a little longer than we hoped, but I did most of it myself and we paid for all of it as we went. We have no mortgage and no car notes. She is a Nurse and makes pretty good money and I am hanging up my Brewing boots(head Brewer for a craft brewery) and getting ba…

Saving on overnight shipping Our business has a lower volume this year which tripped our negotiated ups rates. A one pound branded pak went from costing us in the 20-30$ range to 60 now. Fedex is slightly better but still higher than our last year rates..do you use any aggregator or a service that taps you into better overnight rates w any carrier? Fedex has a great one rat…

How to start saving for retirement at 45 My husband and I are in our mid 40s and we have one child. Due to considerable health issues prior to having our child we have little savings (10k) and no retirement. All of that being said, my health is stable and we would like to catch up on our savings for retirement.My husband’s income is 150,000. We have no work benefits because he works fo…

Saving from a young age. Does anybody else wish they started investing/saving money with there first job as a teenager. I reflect back and realized if I saved alittle here and there I would have wayyy more in my Roth 10-20 years later. submitted by /u/Beneficial_Union1625

Ways to start Saving Hello, I am in Germany since three years and working with income of 88K annually. I have been trying to create a plan for saving but that is not working correctly and my cash outflows recently has been more due to not having any saving account or investment planing? I need an advice on how to save money, should I Save in Sparplan in ETF, invest …

Saving for new apartment Hi, so idk if this belongs here, but I figured I’d ask. I live with roommates atm, but I want to move out and get my own place within the next year or so. Where I live, the average price of a 1BR 1BA is around $2k/month. I’ve been caught off guard in the past with financial surprises and that was a shitshow I don’t want to repeat. How much shou…

Saving for down payment I have about $30k that I don’t know what to do with and my girlfriend and I are planning on buying a house in the next 3-5 years. Should I put it into my hysa making about 4% or my acorns investing account? submitted by /u/lukiepooo

I’m 25 and just started saving Just as the title says, I’m 25 and just recently started saving towards my future. I hate that I’m so far behind (life circumstances made it very difficult to save—too long of a story to post), but now is better than never and I’m determined to catch up the best I can. I’m extremely illiterate in regards to finances and I’m a bit overwhelmed wit…

Saving for a house or retirement? Hi guys! I’m somewhat new to saving my finances, but I’m in a tricky situation regarding how I should be distributing my wealth. I’m in my mid-twenties and I’ve been told by two different sources that I should buy a house as soon as possible so I can stop “throwing away money from renting”, or I should start putting away savings in a Roth IRA fo…

Saving and financial tips for someone with ADHD I have struggled most my life with money, from low paying jobs and cheap cars constantly breaking down when I was younger to real poor impulsivity control now that I am actually making more money than I ever dreamed I would. (still not a lot in the grand scheme of things. I went to school late and just started a career in IT a few years ago, now…

I am obsessively saving money. I (25M) am currently working in tech. I spend about 30% of my income on rent (it’s work from home, therefore decided to go all in on my dream 1BHK) and maybe 10% on food and groceries, and some OTT subscriptions. My apartment has a gym as well, so don’t really have to pay for memberships. The rest I am just transfer everything to my HYSA and put…

How to start saving and should I? I just turned 24 and I currently have no savings, but have debt. I don’t want to go too hard on myself as a year ago my debt was much, much worse and I’ve probably paid off about 20k+ in debt so far this year. Here is where I am at: I currently have about 11k in cash, 3k in my main checking where all my rent and bills get paid out of, and 8k in …

Where to keep saving? Hello all I’m 21 and just hit 10k In savings, as of now I’m just keeping it in a regular savings account but wondering if there’s a better place I could be saving it and accruing interest. However I’d like to move out in roughly 8 months to a year so I would have to be able to withdraw whenever. Thank you submitted by /u/Ok_Professional8…

Stellantis Needs Saving From Itself Good morning! It’s Monday, November 4, 2024, and this is The Morning Shift, your daily roundup of the top automotive headlines from around the world, in one place. Here are the important stories you need to know. Read more…

Saving or pay off my car? Greetings Reddit, So I’m getting 28k in back pay for disability. I have about 5.3k left on my car loan. I have enough in my savings for an emergency fund. I invest weekly. My car loan is 2.54% while my savings account is currently 4.50%. What do you think I should do? submitted by /u/GageTheDemigod

Saving in other currencies Hello, I’m 23M from Nigeria. Currently, my country is going through very high inflation. I save in dollars but it’s becoming too expensive and draining my financial ability. Are there other currencies that offer stability but are cheaper. Are there virtual routes to accessing these currencies. submitted by /u/urbanconqueror

Should I be saving more? I am working on evaluating my retirement and if I need to make any changes. 36 years old. Army Vet of 16 years. Did not hit retirement but receive approximately $2400 a month from the VA for service related injuries. Worked for the national guard as a technician but was forced into retirement from the injures stated above. I was given a pensio…