I think I screwed up my IRA I feel like a bit of a dummy, but here goes… I had been using betterment for an IRA to complement my 401k etc. It had around 7k. I converted it to a Roth and then did an indirect rollover to my bank as they had a promotion. This was January 2025. As I was doing my taxes I realized I was above the income threshold and needed to take out my exces…

I think I screwed up trying to backdoor Roth… 2023 tax year was the first time my income exceeded the Roth contribution income limit. Made a nondeductible $6500 contribution to a new traditional IRA in April 2024 for tax year 2023 and converted it to my roth account thinking it was that simple for a backdoor Roth. However, I hadn’t known about the pro-rata rule at the time… I had ~$30k si…

Am I screwed after leaving the hospital? Background: I (29F) fell while walking outside and had excessive back pain for several weeks. Went to the doctors and they initially thought it was a pinched nerve but after more complaints of pain and an MRI/CAT scan, 2 masses were detected along my back (this took nearly 3 weeks in the hospital from admittance to biopsy result). It was confirm…

55 with low 401k am I screwed? Would a financial advisor laugh at me? Please no judgement, I know I should have saved, not sure what I was doing. Divorce didn’t help at all. I’m 55, have around $50k in 401k. I’m continuing to contribute. I have a condo but owe $125k on it. And a car that’s almost paid off. Do I just have to keep working until I die? Or hopefully pay off my…

I’ve Screwed Myself Over Long story short, this year has been horrendous. My dad died, my grandma died, my cat died, my SIL has cancer, my income dropped, one roommate moved for work and just stopped paying, and another I had to kick out because it was not good, and I was being taken advantage of (trying to help a friend who needed a place). I have fallen so behind on m…

Am I screwed? 26 year old with debt I am currently a 26 year old with 10k in credit card debt (0% interest for 10 months) and 17k in Student Loans ( ~4-5% interest). I have a 60k job with a take home pay of 3900 a month. Aside from this, I have a company 401k with approximately 3,500 saved. I was a stupid young kid with no vision of his future and so I am attempting to fix my wron…

How screwed am I or can it be saved Hey guys just joined I started my ecom adventure at the start of the year. (Quick background) M 22 made stupid luck with my POD store had me some real money. Constant 5-10 months peaked at 30k month, total sales 135k not bad for my first real store, 60% profit in one sale retailed for 89.99. I worked full time and did this on the aside. Made eno…

How do I not get screwed over in this contract? I am being commissioned to make some photographs, but I’m concerned about a the below statement in our contract. I have done quite a bit of work for this gallery, and it’s generally been a good experience except for one time when the client backed out after I had already received the deposit and performed a few hours of work, so I had to send th…

how screwed am i for editing this? adobe just isn’t cooperating with me at all… i can’t get a good clear edited image… definitely should have used a different shutter speed when shooting this shot. but now im left with this and trying to edit. submitted by /u/miniiikittyy

Am I screwed? SYN to HKG I recently tried to book a return flight from Sydney to Hong Kong for the end of February. I initially found the best flight via Philippine Airlines on Skyscanner. I usually use booking.com for my travels, so I tried to book it there. However, after entering my payment info and confirming, the booking failed. I then checked the official Philippi…

Lost my job, I’m screwed! I lost my job… but now I have absolutely no clue what to do or how to survive. My anxiety is through the roof and I’m in constant fear of running out of money. I do have some things that’ll help me out. No debt Paid off house ~30k in Savings ~50k in Investments But now I have no more income and nobody is hiring! Are there any tips you guys ca…

Am I screwed with allegiant?? Back in February I booked plane tickets for a family reunion which is taking place next week. This morning my wife went to print everything out and noticed there were no confirmation emails or anything from Allegiant. Trying to help, she went ahead and booked the tickets again thinking I never did it back in Feb… I’ve been waiting for a represen…

How Screwed am I with Employer Housing? I live in affordable housing provided by my spouses employer in a HCOL area. It appreciates at about 1.25% per year. The home was 300K when I bought it a few years ago and the interest rate is 3.5%. I make significantly more with my job now then back then. I will probably never afford in the city where I live as the smallest homes are 1.4 millio…

How Screwed over am I exactly? I am a 21 year old Male and have been paying my car off for a year now. I bought a Silver 2014 Toyota Corolla LE with 120,000 miles on it from a used car dealership in Pennsylvania back in 2022. I put $9000 down for the down payment and financed the remaining $13000. I told my friend about my car payments and he laughed at me and said I got scam…

Are me and my fiancée as financially screwed as she thinks we are? My fiancée (24F) and I (23M) just bought a home in January and are getting married in a year. She has extreme anxiety about money and always wants to be very frugal with our money (something she takes from her parents) and spend as little as possible on fun stuff. I understand why she’s worried because when we moved in we had about $25k in savin…

Screwed over by USAA. Who are Y’all banking with? USAA reported a delinquent payment of a few hundred dollars, and dropped my credit report 200 points. Never had a late payment. Always paid in full. The account was on autopay and somehow got turned off. No phone call, no mail notification. The funds were there in another USAA account, enough to cover the full balance more than 100x over. Almost…

Medical emergency now I’m screwed. So basically I worked as a delivery driver during COVID. I made decent money. Well I had a freak seizure (no previous history of seizures) and due to this seizure I was unable to do my job as a delivery driver anymore since I couldn’t drive until I was 6 months seizure free. I was fired from my job. I applied for unemployment but my boss denied …

Am I screwed? So I’m heading to Spain with my boyfriend to meet up with my brother there. Here’s the deal with our flights: – they were booked from a 3rd party website so they are ALL self transfers, meaning after each flight we have to go get our checked bags, check in for the next flight and drop our bags off again, and go through security again Our itiner…