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Money Anxiety, Constant Thoughts Age 23 going on 24. Stable income and stable job, not living above my means. I do not have any bad debt just what I would consider normal (student loans and vehicle). I know I am comfortable with my current bills and income, but I constantly am looking at spreadsheets. Trying to plan my paychecks and where the money is going for the next month….

Stocks/Bonds or Home Down Payment? I (28m) have some options and I’m looking at opinions. I have an amount of money I ran into and it’s been invested in stocks and bonds the past few years, overall doing very well. Long term, it’s an assistant in a retirement plan, but I’m also looking at buying my first home. What are your thoughts and risks on taking a sizable amount and puttin…

Investing options for an international PhD student. TLDR : What are some options for international students (on an F1 visa) to invest in the US stock market? Is Roth IRA (Fidelity vs Charles Schwab) the best option? I am a first-year PhD student (in STEM in a 5-year program), and I look forward to joining the industry and working after my PhD (perhaps moving back home if the situation arises). I…

Conflicted on debt vs savings I have about 62k in a HYSA earning 5 percent which is gaining me around 240 a month in interest. I have two outstanding loans. One for a house improvement project that has 44 payments left interest at 5.99. Remaining principal is around 17,500. I took out a car note recently where the principal loan is 22,700. I already made two principal paymen…

Get new home reassessed? Buying a new home that has property tax assessment for 2023 listed at 520k, buying the home for 485k, should I get a reassessment or does a reassessment occur anyways due to the sale? submitted by /u/shakeygorilla77

Embarrassed, but I need some answers from someone who knows better, because I am drowning. Context because why not its a throwaway, I’m 34, and I’m currently struggling to keep my head above water, due to my own decisions that I’ll own up to due to a combination of bad luck and stupidity. Anyways to the gist of it, I “own” my house, i have 106k and some change left on the principle balance. That being said im currently drowning and ha…

Looking to upgrade to a “mom” car My wife and I found out that we will be expecting our second child. We have one who is 9 months old. (We didn’t plan the second one…oops) My wife drives a 2014 Nissan Xterra that is fully paid off, has 150k miles, and has never had any issues. I drive a 2019 Volvo XC60 that has about 30k left on the car note, has 75k miles, and has only gone int…

Credit karma for savings account? Does anyone use credit karma as their savings account? 5.10% apy and no fee seems like a good deal submitted by /u/nolanah

Selling my house to pay off my debt, mistake? I’m wiring here to hopefully make myself feel like I’m making her right decision by selling vs renting. I bought a new construction home in 2021 and currently have a 2.8% interest rate on a home in Fillmore, CA. My monthly mortgage is currently $5,200 per month (escrow shortage killed me) and my utilities are as follows: $800,017 left on our ho…

Question about personal loans I’m looking for a personal loan with a low interest rate. I am 19 years old with a credit score of 735. I only have a credit history of 1 year. I need around $5000. I make around 35000-40000 a year. I tried experian but their interest rates were absolutely insane. 94%. I have a discover credit card but I do not qualify with them for a personal l…

How should I handle this debt? approx $32,000 Hello All, Yes, yes, before I start, I take full ownership that I have not been the greatest financially. I have made stupid decisions in my life where I was the person that looked at money as something that will always be there and could be easily made. However, over the course of the last 4 years, I’ve noticed, I have had a unhealthy relation…

Can someone help me understand the definition of “house poor” ? Is it: Option 1: “omg we closed and am eating ramen noodles and stopped contributing to all retirement accounts. Basically paycheck to paycheck until that raise comes in next year.. I go to Panera to work sometimes, but bring my own coffee I’m so broke!” Or Option 2: “Emptied all cash reserves etc. Decreased, but did not fully stop retirement …

Pay off my house or invest? Throwaway account due to privacy. I inherited $525k from a death in the family. 34 years old, married. $220k household income. $195k in 401k which is maxed each year $160k in two Roth IRA accounts (mine and wifes) maxed yearly. $40k in a taxable investment account. The ONLY loan or owed money we currently have is our home. Home was built in 2018…

Roll over 401(k) to new employer 401(k) or IRA? I recently switched jobs and need help deciding what to do with my old 401(k). There’s not much in it – just what my previous employer contributed as I was focused on building up an emergency fund. Now I will be contributing to my new 401(k) with a company match + would like to start an IRA or Roth IRA. Would it be better to roll the original 40…

Will I be house broke? Purchase price is 590000 Take home: $11000 Mortgage will be: 4560 Take home pay is after 401k contribution. House is perfect for my needs and in great shape. Home body who barely goes out or spends money Only 200$ motorcycle loan about paid off Health insurance is covered by military reserves and only one kid needs daycare No debt besides motorc…

vanguard small business retirement alternatives Just got a letter today that Vanguard that they will be transitioning small business retirement plans (individual 401k, etc) to Ascensus. This defeats my purposes, including why I moved my IRA to Vanguard when I established solo/individual 401k (both traditional and Roth). Vanguard funds are good, low fees, etc and wide variety of choices. But t…

My dad died unexpectedly and my mom has no other income My dad had back surgery on April 4th and died very suddenly the morning on April 11th from a blood clot that traveled to his lungs. My mom is devastated and heartbroken as we all are but, but she’s also panicking about finances because they own a huge farmhouse and about 15 acres of land and the bills and taxes are insane, and she only gets abou…

Any suggestions to go with what I’m already doing for debt management? I grew up in a very financially illiterate family and managed to compile about $25k in consumer debt throughout my 20s. In the last two years, I’ve whittled that down to $11,900 and have begun squirreling away small amounts in different investment accounts and a high interest savings account. My income is variable, but I’ve become more cogniza…

Should I use a 0% interest credit card offer to prepay for a vacation that we definitely don’t have the cash for right now in order to see my dad and grandparents? My dad and I live in different countries and I haven’t seen him and my step-sister in ~8 years. We were going to plan a trip to fly out to him a few years ago, but then Covid put that on hold. He’s now planning a trip to the US and we are thinking about flying out to meet him. We would be able to combine this with a trip to see my grandparents, …

What’s the best thing I can do with my 401k from a previous job? I’m in Los Angeles, California. I am 35 years old. I was putting money into my pre tax 401k when I was working with a private employer. I quit a few years ago and I did not move my 401k that I have with them. There’s bout $9,000 in there and it is with the Standard. Now I work in public education. The school district I work with has 403b, 457b, …