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Planning large CC purchase + balance transfer — what’s the right timing? Hi all, I’m planning to put a large purchase on a credit card and pretty quickly transfer most of the balance to a new card to take advantage of a 0% APR balance transfer promotion. My question is whether I should apply for the new card BEFORE or AFTER I make the purchase? I have excellent credit (800+ score, 2% utilization) so I’m basically won…

Auto Insurance Help Needed Throwaway account. I’m in a hell of a bind and wondering if I have any chance at help. My partner got into an accident, hitting a parked car. I recently discovered that our auto insurance had lapsed (I’m not sure why they stopped taking auto payments from me, as they had in the past, but they did and it lapsed. Totally my fault, I have just bee…

Put down more than 20% @ 6%? Is there any reason to put down more than 20% on a mortgage since the stock market on average returns 8-9%? Financially, doesn’t it make sense to maintain minimum equity in the home and stay invested in stocks? (Ignoring the forced savings argument – I am assuming someone who will save the same amount regardless of forced or not) I am getting an…

Tired of living like this (23) I would be homeless if I was on my own Background Ever since I paid 6000 to get my transmission fixed last year, it’s all been downhill. I became unemployed for months until I started this new job 5 months ago. I raked up so much debt and lost all my savings. I had to move back home with my parents. I picked up a partying habit (that I’ve gotten rid of) to cope and that plunged me ev…

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What are the financial benefits of owning a house? I keep seeing in the news more and more homelessness is rising in America. I have the ability to buy a house soon now. What are the key finsncial benefits vs renting? submitted by /u/Beneficial_Tackle294

Use a HELOC to buy raw land next door? We have a house on some acreage, 7 acres. The lot next door has come up for sale at a decent price, which is about 10 acres. We would be adding the 10 acres, so it would increase the value of our home and land. The lot won’t qualify for a raw land loan since it has an old structure on it. Would it make sense to get a HELOC and use that money to…

I got laid off four months ago, finally found a new job, car broke down Hey, so basically im a young guy (22) and moved out of state from anyone I know for work. My company got acquired and our team got offshored. Anyways, I’ve been applying around and finally got a new gig starting in May, it’s in-person and fifteen miles away. Well today my car broke down completely, I still have to bring it in but metal on the d…

Bank says I can’t continue mortgage process because I am traveling abroad for work. Currently in the process of getting a mortgage with Bank of America. Just got an email saying I can’t continue because the country I am in is “not on our approved list”, and I can continue once I am “back in the US.” I can’t find any information on Bank of America’s website about this. I am also confused because it’s not like I am getting a mort…

Where do I stand overall for retirement at 52 It seems that anytime I try to have open discussions about finances and savings and retirement that most people become guarded and closed and are not open to talking about their situations or outlook. I am trying to get a general feeling on how I am doing and how the future looks considering my current financial outlook at 53 years of age. Curre…

IRA/401k recommendations? I’ll preface this with – I am new to saving and new to being a responsible adult. I’m 35, married with two kids. I have worked for almost the last 10 years to get done with school and get a decent paying job. I finally have my license as a therapist and I’m working as a 1099. I am currently bringing in around 80-85k gross, I am paying quarterly …

I have an HSA for myself, and the wife with her PPO I have my HSA just for myself alone because my wife has her insurance (free). Is it smart to change my HSA to family to increase the contribution limit? How about me being added to her insurance for a small premium? Basically making us a dependent on each other’s health insurance? What will be the implications when we use our insurance? subm…

How big a deal is a mutual fund with a 0.08% expense ratio versus 0.02%? I have limited options with my 401k, but have certain preferences. I’d prefer not to move to a “personal choice” account if possible due to the hassle. submitted by /u/windtrainexpress

Getting married for college financial aid Not looking for relationship advice here. Would getting married but still living with parents still qualify me as an independent for FAFSA? I know the FAFSA benefits are not amazing for marriage either, but the college I will be going to has free tuition to all making under an income bracket (that my spouse and I would fall under). The college b…

Is 65% total world stocks, 15% US large cap stocks, 10% US mid caps stocks, and 10% US small cap stocks reasonable for my 401k? This can get really confusing what is the best decision. submitted by /u/windtrainexpress

Buying my first car and moving out all in the next couple of months, advice needed! Hello, long story but I’m 27 and moving out for the first time. I have gone from having a couple hundred in savings to about $1700 from my job I got about a month ago. After taxes and whatnot I make about $1680 a month. I also pet sit on the side, which I anticipate about an extra $100-150 a month from that. I have a good credit score and have b…

How much should we be putting into savings each month? My husband and I, both 20, recently got married last July and we are now just starting to put money into a separate savings account. We fully combine and our finances, but shortly after we got married I became very ill and had to go on disability as I have been bed-bound since. I was able to keep my job, and now I’m getting back into working. My…

Just found out about extra student debt I just found out how bad my wife’s student debt situation is. She is a teacher and went to a private school which was apparently quite expensive. There are loans with 2 different providers that total around $50,000 but the real kicker is that they are variable interest rate loans so it seems like it’s kind of an emergency to pay them off as soon…

How best to utilize left over savings after buying first home? To keep a long story short, I had been saving for many years to buy a home on the west coast, but after the post-covid boom in the prices of everything including houses, my fiancée and I decided to try somewhere new back east with good job opportunities, but also modest single family starter homes at a third of the price. One of the extra nice p…

Should I pay my loan off first or my car? So my apr on my car is 22% and my apr on my conventional loan is 28% im under on my car, a year and a half later and I still owe $9500 on the $14,500 and about a year later on my $5000 conventional $4000 owed $2500 payed bought a car from the wrong place got a loan for a business that never did anything, but I have the option to pay it off for $…