Finance and budgeting

Might be a stupid question but do you guys think that 401ks are a scam? I keep hearing about it. Is there a better way to invest your money?

Hi everyone! I bought a certified pre-owned Acura RDX 2018 back in 2020 for $26,000 (including fees and tax). My car’s mileage is currently 70K and the warranty will cease when mileage will be 100K. I… more

Any advice on how to get credit score above 800 in a year?

I’m currently an international student in the US. I’ve had a credit card in a US institution for over 2 years and my credit score is 780. I’ve never missed a payment and always pay fully. I’ve tried i… more

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.

I’m saving up for a first home (3-5 yrs out, 30k saved) and looking for insights on safe amount to spend. HHI 300k (very recently doubled), 30k student debt, children in next few years, 29yo. We enjoy… more

Looking for recommendations on good personal finance apps.. have used mint for a while but wife and I are looking for something we can both link all of our accounts together on…need both mobile and we… more

Are there any debt consolidation options for a professional family man with a decent credit score, who's let high interest credit card debt get out of hand? I get the mailers that entice with a l… more

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly… more

Can folks recommend good investment options for gaining Compound Interest, high returns long terms in your financial portfolio. Have regular 401k, share holding, kids 529 r plan, hsa saving account, v… more

What is a reasonable monthly budget for single folks living in Manhattan? I eat out rarely - maybe 2x / week and have the usual high 1BR rent + Wi-Fi + electricity and am netting monthly expenses at a… more

What is a reasonable monthly food budget for a family of 5 (with 3 young kids)? We have been spending ~$1600 per month, including restaurants/takeout and grocery store trips, but trying to assess whet… more

Is it better to live in a good apartment with decent school district or live in an average apartment with good school district. it’s hard finding anything around 1600 near Philly. Should I find a plac… more

Need help for an older woman to find her job in Philadelphia. She is in her 60’s and can be a good admin assistant without computer knowledge. Sorry but if you know anything please advise.

Am in FP n A with work visa. Please need some strategies to make a switch. All recruiters have same excuse - not sponsoring now. Thanks

Has anyone here successfully re-negotiated rent since the height of the COVID crisis? Live in NYC and can’t go back because I have to regularly take care of a family member with an immunodeficiency.

I’m a new renter, is it common to pay pretty steep fees with online rent payment? Looking at a 35 dollar “service charge” that I’d like to avoid if possible

Feeling over my head money wise. Moved to a HCOL area and bought a townhome since rent was so high as well. Mortgage is $4k including taxes. I make $200k a month. Did I make a mistake?

Any idea how much I should be paying to paint 1800 sq feet house interior, ceilings, trim, and doors in HCOL?

I’m an authorized user on my parent’s Citi AA Executive card to get the AA lounge access. However, they consistently go over 30% of credit usage / sometimes over credit limit (cont.)

Looks for advice on how to stop spending so much money. I like really nice things and spend a lot of money to get them (food, clothes, furniture, apartment, gifts, etc.) I use everything I buy...

I recently signed up for a 0% interest (for 15 months) credit card to help with paying off credit card debt. I’m happy with the decision. However, I’m uncertain about the best way to use my upcoming..

Best budgeting app? I’ve tried mint, personal cap, Banktivity - dont like any of them. Want something that lets me treat my transactions like a to do list that needs to be categorized.

I just cut $37 off my budget by:

Cancelling LinkedIn Premium, which resulted in customer service providing me 50% off for 6 months
Changed from Dropbox to Google Drive
Borrowed someone’s Netflix