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Offer questions and experiences related to personal finance and investments
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What’s a good auto loan rate? Is it better to buy in cash if possible? Looking at either an X5 or Cayenne. Will be from $75-100k. I know people generally advise against paying all cash, but at what po… more

How much do you consider “a lot” to save/invest each month? Trying to tighten my budget to focus on investing most of my income each month. Obviously, it’s all relative. Just curious what others striv… more

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I have $15k ready for a car down payment but I’m starting to think it’s a better idea to not put a down payment and out the 15k into the stock market instead. Wouldn’t I make better returns there? Tho… more

I have roughly 7K-8K worth a debt, but I have a small investment that I would like to make.

I want to empty my 401k and 457 and use those funds to pay off my CC debt. Once my CC debt is cl… more

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Fishes honest opinion needed. Me and My so presently live in Arkansas, living in our first home with a child 4 year, both of us recently changed our jobs and have HHI ~ 420K, current mortgage 1600/mon… more

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I'm trying to buy ibonds but need a medallion notary to set up a US Treasury Direct account. However, both Chase bank and Fidelity (I'm a customer at both) said they don't provide medallio… more

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What am I missing here - VNQ is considered as an alternative to buying actual property in the US. However, most real estate properties have appreciated 10-15% in the last year while VNQ is down 4%

Sorry if this is a dumb question, but which option is generally the better for someone who is just starting his career?

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I know I’ll get destroyed here, but celebrating the transition 100k net worth.

27M 5 YOE; First Gen Immigrant

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Anyone thinking of exchanging MMM shares for NEOG? Why or why not?

Is anyone here based in the UK? Looking to speak to a financial advisor as I’ve come into an inheritance.

If I’m hoping to do a Mega backdoor Roth 401K, would I elect to defer traditional 401k or Roth 401K?

A year ago I bought a new 2021 XC90 Recharge for $68k OTD. It immediately started giving me trouble, took it back to the dealer numerous times, finally initiated the lemon law process.

The … more

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Does anyone have any investment platforms they use to auto invest their money? I’ve already tried and got burned by Delphia, Titan, Fidelity (all of them lost me money before I pulled my cash out.) I’… more

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Anyone with large percentage of net worth in Real Estate?

I'm 34 and about 80% between 2 homes and considering selling my equities to purchase another property down the road, but would … more

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Best HYSA rates right now? I’m getting 1.5% with capital one savings account. Anything better to move it to?

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Please don't attack me for what I'm about to post. I don't really understand 401k even though I am investing in it. I randomly picked things (I don't even know what they are called) an… more

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How much $ do you strive to save per year including retirement accounts and how much do you earn?

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has anyone used a wealth advisor here? any thoughts from people who have invested for a long period of time. is it actually helpful? i got on a call with personal capital and thought it was useful. no… more

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Ayyy stocks only go up let's gooo

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What are the benefits/cons of turning a 401k from a former employer into an IRA, versus rolling it into my new employer’s 401k plan? I know they’re both good options, but I’m a bit confused about why … more

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For reasons that take too long to explain, I anticipate being in line for a massive tax refund next year. As such, how strongly should I consider converting traditional IRA funds to Roth?

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anyone invest in crypto? BTC, ETH, SOL, MATIC seems like solid plays.

FYI ...

Funds (cash) in Voyager accounts are able to be withdrawn. Get your money out of there!

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When closing on a home and you've gone through underwriting a while back, does the lender pull the credit again when you're close to closing? And if so do they do it without informing you? I s… more

How much non-retirement cash do you save monthly for future discretionary spending and how old are you?

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Hi everyone, I received a balance transfer offer from Citibank. 0% apr, 3% fee. I can transfer funds to my checking account.

Can you provide me with some suggestions on investment opportunities? Apr starts May 2023

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Do different types of credit checks get combined if done in the same period? For example, lender does a credit check for a mortgage, and at the same time / a few days later I apply for a credit card t… more

Anyone use YNAB? If so do you think it’s worth it? Generally pretty disciplined with finances and investing but don’t have a strict budget planner other than Mint to monitor

I am 29 and total NW is ~$300K. However, nearly 40%(120K) of them are tied to retirement account and thus I wouldn’t be able to touch it until 60 in general (assuming not taking loans or early withdra… more

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Back door Roth… when does it make sense and who is it for. Had never even considered it before, spouse and I max 401ks last 3-4 year at least, HHI is $700k+ so our marginal rate is highest bracket. Is… more

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Leaving my employer and my 401(k) has a $15 quarterly fee. Part of it is traditional and part Roth. No brainer to move the balance to an IRA right? Would I need to open both a traditional and Roth IRA… more

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Hi everyone, my startup just announced our 401K plan with a 6% match. I will be contributing the full amount every year, so I was wondering if Pre tax 401K is the best option or if I should do post ta… more

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What is your salary and how much mortgage have you taken?

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Is taking a loan out of your 401K for a down payment a good idea? Why or why not?

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Looking to buy a premium 1BR condo for $1M. My current salary is ~$400k but not sure how long I’ll be able to survive in consulting. If that happens will have to leave the country.

Will mak… more

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Need help on 401K! Salary about 100k (base), company does not match for 401k. What percent should I put in my 401k? Also should I do Roth 401k or traditional?… thanks in advance as I am terrible in th… more

So the wife and I are planning out a master bed/bath addition on our house w/ estimates coming back around $200k. We have about $270k in equity and are planning to do a home equity loan to finance, b… more

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