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Personal Finance Bowl

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for people who want to get better with their personal finance
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I am almost 23 and don’t know much about the investment and savings vehicles/strategies that I should be using. IRAs, Roth IRA’s, long-term investments, how much I should be contributing/saving for fi… more

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Is there a way to pay student loans with pre-tax dollars?

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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

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Live in ATX where the real estate is grossly overvalued. My current & prior rental are awful - bugs, leaky roof, mice - but affordable. I've given up on the idea of home ownership bc most home… more

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Hey guys, I'm a fully licensed financial advisor...our of 40 or so people at my firm, the top make 500k - 1 million/year. At first it is heavily a sales role though, does anyone have any experienc… more

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Hi all,
Recently started my first job. I have the option of doing a traditional 401(k) pre tax and/or Roth 401(k) post-tax. Any recommendations on which one to choose and why? Thanks!

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People living in LCOL areas who bought a house in the last few years... What did you spend on your home, what are the bed/bath #s, and did you buy a fixer upper, turnkey home, or something in between?… more

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Keen to buy first home in Dubai but skeptical given the uncertainty around the global economy albeit high oil prices which is a positive for the region. What are people thinking? Anyone here from midd… more

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Thoughts on personal loans to consolidate Debt?

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For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartme… more

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How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a… more

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Recently purchased a home and starting the design process - planning to spend $70k on furniture in the next 6 months (sourcing through designer, not through big box retailers). What are the best credi… more

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If I make 80k a year in Chicago how much should I be spending on rent?

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I have $50k (+emer fund & retirement) and I want to build a deck, which will be $25-50k depending on options. Should I pay cash for the deck or take out a home equity loan?

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What’s a good baseline amount to keep in a checking account? I generally keep mine pretty low <1000 after paying CCs then dump the rest in savings. As I’m building a rainy day fund and then I will … more

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Does it make sense to max out my 401k if I want to retire by 40-45?

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Have you ever worked with a financial coach? Did you find it helpful?

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I have $30k to invest from a bonus. Would you recommend I hold until the market is less volatile up or invest now in a market tracker (ITOT) to get stocks at a discount?

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What's the single best or smartest financial decision you've made recently?

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Thinking about getting a part time masters, but I’m unfamiliar with the financial aid process. What are the best opportunities to have education subsidized? I do have a TC of 130K, which I recognize p… more

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What's the first thing you did to start seriously paying down debt? Does anyone have good book recommendations or programs they followed?

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Has anyone taken advantage of borrowing against the cash value of a life insurance policy to pay for a house? Supposedly it's like getting free money to pay it down from year 16 to year 30 of the … more

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Is there an easy/efficient way to figure out how much you've contributed to vs earned in your Roth accounts? I started contributing >20 years ago to my employer's Roth 401k and have rolled… more

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Under contract for nearly 1.1M. Wife and I are at HHI $315k. Will go up in the future, $400k in 3 years and $500k possible in 5-7 years. We have $300k in non-retirement funds, $260k of which will go … more

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Best high yield savings products?

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How’s everyone planning to use their YE bonus + tax return (if applicable) this year? Personally, I’m already maxing out my 401k, Roth, and have crypto exposure (mostly ETH that’s staking). Any other … more

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I get credit alerts from Experian/ TU & was told two email addresses were found on the dark web. Have been hit w fraudulent charges in FL via Chipotle app; rec'd email that said sender knew my… more

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Does anyone know the rationale as to why a company would choose to pay salaried employees weekly vs bi-weekly vs semi-monthly vs monthly?

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accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

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Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be… more

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My house is paid off and a family friend is willing to pay cash for my house. We agreed on the price and inspections have passed with flying colors. What steps do I need to take for the sale of the ho… more

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Google stock to buy now or after the split?

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Thoughts on how to get a personal loan ~$10K for 6 months? Want to avoid credit reporting as I’ll be in housing market in next 6-9 months. Fine with a slight premium interest % given ST nature.

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Does anyone have experience with long term tax law? In 2019, I “timed out” in a state that wasn’t my home address state and I’m still dealing with the repercussions

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Looking to get an Alfa Romeo Giulia Ti sometime this year. Brand new the MSRP is about 45K and despite the reputation of the old Alfa Romeo’s from the 90’s these seem to be night and day more reliable… more

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What are folks thoughts about US ibonds?

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Hey folks - I have an inquiry on my credit for a gym membership I “failed to cancel”. I had previously left this gym as it closed during pandemic, and shifted to a new location. In doing so, I informe… more

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26 YO, make make roughly 130k TC and really wanting to get the new 2022 Accord Hybrid Touring trim. Great MPG and reliability. MSRP is just under 40k for the top trim. Good financial move or should I … more

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I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

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