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Offer questions and experiences related to personal finance and investments
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Is Palo Alto Networks Stock a buy?

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If I take state unemployment benefit, does that go into my record so a future employer can find out through background check?

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Hey all, I'm starting my first consulting job next month fresh out of undergrad. Im first-gen and can use literally any and all tips on savings accounts, investing, improving credit, and other financial… more

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Large expenses coming - $10k engagement ring, $1k travel abroad, 3k medical procedure. What you would friends recommend from a credit card promotional bonus approach. I signed up for chase reserve and… more

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Is it too late to jump on the NVDA gravy train, or is there still fuel in this 🚀?

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I had a checking account earning 4.25% interest but they’re dropping it to 1%. I keep anywhere from $10k-$30k in the account. I’d prefer an account I can bill pay from and have access to free ATMs bu… more

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Just bought a whole lot of Rivian shares. Tell me how much money I’m going to lose here 👇🏾

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I max out my HSA, but only contribute 6% to 401k (which will max out company match). Otherwise I’d invest in other accounts. Is there any benefit to investing more to 401k? Seems like it only locks up… more

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I will be receiving a relatively large tax refund this year due to real estate depreciation. Should be around $40k. I max out all of my tax advantaged retirement account and would like to save up to b… more

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Recently switched jobs and won’t be eligible to contribute to 401K until Jan 2025. That means no opportunity for contributions in 2024.

What are some of my options this year to reduce the tax bill?

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What are the best investments for my Roth besides VOO and QQQ? What is everyone's favorite?

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Any good budgeting apps out there? I loved Mint but they discontinued it and I HATE credit karma😭

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The time has finally come to settle down and dedicate myself fully to an airline (so I can get status & better points). Im based in socal, fly to east coast & europe quite frequently. I have a… more

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I’m looking to hire an accountant / tax advisor to help with filing extensions and K1s - does anyone have a sense for how much this should cost on an annual basis?

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Not work related but I would like to see the opinion from hundreds of professionals here. Keep renting or buy a house? My wife wants to own but this is such a important decision. We might stay in the … more

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Does anyone know where I can file an amended tax return online and not have to mail it out?

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I checked my 401k balance and out of curiosity I clicked on the loan options. The int rate paid to yourself is 10%. I could take the max loan of $50k and guarantee my 401k (mostly Roth) a 10% return.… more

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Collecting some advice on asking for a raise for my husband. He’s in university administration, and has been in his role for about 10 months. He’s preparing for a big meeting where he’s expecting (bas… more

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Im new to the world of trying to be smarter about growing my finances and becoming more responsible. Any helpful tips for someone who wants to try to invest? What platform is best to join? I don’t wan… more

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Do you invest in any targeted retirement plans offered by employers 401k? any downsides to this ?

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Spouse has had SEP IRA for the last few years but is switching to a solo 401K and plans to rollover IRA balance into it. Can they make contributions via backdoor Roth IRA for 2023 and 2024 assuming $0… more

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Received $30k post tax in bonus. $6500 to spouse Roth IRA for 2023, $20k to HYSA, $3500 for VTI. Is this sound strategy? I have around $38k in HYSA so this takes it to 58k, no student loan, mortgage a… more

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To everyone trying to pursue the “VTI/VOO & chill” strategies do you ever worry about not generating any alpha (an investment strategies ability to beat the market)? With the recent democratizatio… more

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Best ETFs or mutual funds that track crypto?

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I have about $50k in cash in a HYSA, a $40k irs bill, about $300k in student loans (paying the monthly minimum and chunks here and there). I have only about $10k invested in stocks/roth IRA. Should I:… more

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Is there a way to set up a HYSA without connecting it to your main bank account? Wealthfront is asking to externally connect and the fine print in the Linking Service Terms is scaring me…

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If I saved my salary for a couple years, without paying for any expenses, couldn’t you buy a house cash? Has anyone did this?

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Have backdoor roth 7K sitting in money market funds - want to invest in VTI/VOO etc but waiting it out for some drop as things at all time high. I know we shouldn’t time the market but hoping not a ba… more

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Borrowing to invest in ETFs and stocks - what are people’s experiences? How much did you loan and what was the payoff/loss?

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Anyone from Europe here ? What does you investment plan looks like..more specifically how do you invest your extra income that is also tax efficient ?

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We all recognize the importance of investment diversification (Cash, Stocks, Bonds, Real Estate, etc.).

Does anyone ever consider/ worry about diversification of where investments are held?

For example… more

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Do you invest in a single index fund/ETFs or further diversify?

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VTSAX, VOO, or VTI? Goal is retirement in 30 years.

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Do you trade options on the stock market? What is your approach?

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Just came into large sum of cash that we won’t need for at least ten years. It represents about 15% of our total assets, with the other 85% divided into fixed rate assets (50%), real estate (20%) and ETFs (… more

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PM must get motivated by good work of his/her team members. secondly, positive impact on client's business

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Are megabackdoor roth amounts considered contributions that you can withdraw any time tax free?

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For work I will be receiving an an approx 30k bonus. My thought is I should contribute a portion to my 401k lower the taxes but how would I calculate? Last year I recvd the same amount and took home j… more

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57- renting month to month for past 3 years and looking to purchase home again. Between equity proceeds from earlier home sale and combined new savings, total savings approx $900k. Do I invest all in … more

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Which stocks do you think will be most affected if we have a government shutdown?

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