401k Holdings at 25y/o I’m 25y/o and just started with a company with a 50% match up to 10%. I’m currently contributing 12%. I’ve rolled over about $20,000 from a previous 401K and am now looking at what I should invest in. My gross pay is around %100,000/yr. I’m considering this: VIIIX-40% TARGET FUND-40% VTSNX-20% I’m also maxing out a Roth IRA. I am looking for som…

32 y/o Retirement Investments Recently started to pay attention and care about retirement saving! I know I’m a little behind and should’ve done this out of college but here I am. Luckily I’ve always taken advantage of a 401k and employers match but was ignoring the IRA. Going to do a backdoor roth asap but have a few questions. My 401k was in a target date fund and I recentl…

17 y/o traveling to Canada Hey guys I’m going to Canada with my older cousin. She’s going to be flying in from Houston. We will be connecting in New Jersey and then land in Toronto together. And on the way back she’s going Houston and I’ll be going back home in Florida. Do I need a letter of consent from my parents? I can get it but does it have to be notarized? I never h…

26yo looking for advice I fortunately was able to live at home for 3 years post college which helped save, and now have about $400k saved ($100k is unvested stock). $200k is diversified and the rest is in my company stock. I moved out last year to an apartment with my girlfriend and I’m thinking about buying a house this year but with rates so high cash flow is tough a…

19 y/o, need some advice I am 19, as stated in the title, and have about $25,000 saved. I am in college, currently in my second year, and have a part-time job. What should I do with this money so it doesn’t just sit there? All I really know about are high-yield savings accounts. submitted by /u/Sweaty-Cry184

37 y/o looking for advice Hi everyone! I’m looking for some feedback on where I stand financially as a 37-year-old. Here’s my current situation: Income: $120k/year (pre-tax) Savings: $13k in a high-yield savings account (HYSA) Retirement: $20k in a retirement account Debt: $9.2k in credit card debt (28.24% APR 😬) $5.1k left on my car loan (11.39% APR) Monthly expenses: R…

27 yo with 47k in cash Hey! I’m 27 and trying to get some advice on how I can help set myself up for the future. I think I may have too much cash on hand and need to invest some. But I’m hesitant because in a year or two I’d like to buys a house, so I want to have the cash available for that goal. My ultimate goal is financial independence, I only make 70k a year so I…

27yo, 62.4k net income, what do I do? I have 0 debt, about 4k in savings, and I’m starting to wonder where do I start on other things. I own my car, I had a house but sold it due a move and ended up breaking even. So now renting and trying to figure out what I should do with my money. I’ve spent the last couple years sort of traveling and doing other things so I don’t regret not sa…

6 months off as a 21 yo Hey everyone. So as title says I am 21 and have decided to graduate a semester early from college. Had a great time but realised if I crammed a bit at the end that I would love a few months off before entering the working world. I have planned some travels to South America in January but have little planned for Feb/March/April. I would love to …

Home for 5 years. Single dad (44yo) son (12yo) and pup (6mos) submitted by /u/Brahma__

20yo, no rent, and $1,200 in debt. I’m 20 years old now, and I made some stupid decisions and got payday loans. I owe about 1,200 in debt with $0. I live in my car and I have 1 job ( cashier ) that pays for my car only and nothing else. Any tips on resetting my life and living a comfortable life ?( Had 2 jobs but i got laid off from one ) submitted by /u/jrheee1 …

Trip report: 10 days in Europe with 4YO, 38YO, and 65YO Itinerary: 3 nights in France, 2 in Germany, 2 in Switzerland, long layover in Germany on the way back. We traveled exclusively by train, bus, etc (no cars). Wins: We opted to leave the travel stroller at home, and I’m so glad we did. So many more stairs than I remember! A stroller would have been a total PITA. A small backpack for the 4YO ful…

Was I the victim of a yo yo car finance scam? So I was in the market for a new car. My credit score is not great (low 600s) and I am a first time buyer. I went to the Honda dealership to see what they have and so I received a pre approval letter from capital one and they were the only bank who would give me a good rate. They did a hard pull of my credit and said I was approved with 4000 dow…

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