Personal Finance Bowl

CA residents - do you purchase earthquake insurance?

Recommendations for life insurance? Whole vs term and if term how long for?

Which bank should I use?

I inherited $50k from a close relative who recently passed. I owe approximately $50k in student loans. That is my only debt. Should I p… more

If you were told today you position at work will be eliminated within the next year (no specific date, could be 1 month or 8 months from now), what would be your financial moves/adjustments given the … more

Hello, I recently got married, and my husband and I are starting to plan for retirement. Does anyone have suggestions? He is 17 years older than me, any tips on how we should handle our retirement pla… more

I have some 401ks from old employers that I am considering rolling into Betterment, where I already have a roth IRA account. Is this advisable? The challenge is that I am moving out of the US and have… more

i'm about to have a big salary jump from ~40k to ~140k (relocating from abroad to the US, I am a US citizen).

is there anything i should do (thinking tax advantage) before the jump? like contribute… more

I was laid off from my job and now I have my 401k stranded with principal. Should I move it or leave it here? How this works?

I earn $56,000 a year, there is an apartment I absolutely love but it's $1,810 a month...can I afford this?

I had Accenture contact me about a salary overpayment mistake from back in November. Threatening to send this to collections. They fired me in December and I’ve since moved on to another gig, etc. Am … more

Just graduated and starting my first job in 2 months. Current situation: $10k in savings, $20k in Roth, no debt. Will be making $85k in mcol city. After building budget, confident I can live very comf… more

Roth question: can you return a withdrawn contribution at any time back to your Roth? I know there is the 60 day rule but seems like that applies to early distributions of earnings? Couldn’t find anyt… more

Where does everyone stand on crypto? Is it still a solid financial investment?

Hello - I am 24 and make 90K a year living in a major city. Its seems like every check i get is gone before I event get it. Does anyone have advice on what I can do to make sure I have cash between ch… more

I refinance my car loan and was approved last week. Would it be safe to say I can ask for a loan to consolidate my credit cards? Or is it too soon?

I’m 28F. Is it ok to go 100% on FXAIX in my 401K then switch to TDF when I’m 50? Any thoughts?

How do I improve my credit mix? I have a credit card I got in college and I pay it off monthly. My car is paid off but the loan was in my mother’s name anyways, mortgage is in husband’s name, no stude… more

What platform is best for long term trades? My brother intends to use it to just invest into stocks that are low and just not touch it again for a long time.

When calculating your net worth, do you use the tax-assessed value of your primary residence? Or do you use Zillow/Realtor.com?

Thoughts on Amex Gold if we already have Chase reserved? Amex has a 90k bonus pts offer right now, but if anyone has a better offer pl let me know!

When people ask how much you’re saving each paycheck/month, are you including your 401k in those numbers? I understand that it’s to see what your total invested is, but at the same time I see it as mo… more

I got a $28 bill from a dentist after 3 months since my insurance didn’t cover that cost. I HATED that dental appt. The doctor was super rude to me, was pushing same day root canal treatment and was s… more

Amex Gold or CSP?

I don’t have a brokerage account or invest but looking to start and need some guidance. I currently max out my 401k, add 10k a year to 2 year olds 529, and have 300k in a HYSA, saving for down payment… more

Quick question, how much money would you have to make to feel financially secure?

Should I max out the 23k 401k limit?
I make about 160k per year and have a mortgage of around 2.5k per month. Putting 1.5k pretax per paycheck into my Roth 401k account seems a lot...
What should I do? … more

Any recommendations for term life insurance providers? Looking for 20-30 year, $1-2M. 36M, healthy. Have already reached out to MassMutual. Apparently my phone has been listening to me, as I just got … more

This may be stupid but - Do you have to have converted $ from TRAD IRA to Roth IRA by the tax filing date?

What's your 529 strategy? We've been putting $1k/month into my 3yo's 529 but according to Schwab, we'll still be $300k short if she ends up at either mine/my husband's college (private c… more

I am $70k in debt with $30k in credit card debt and remaining in student loan. I have credit score of 600 so I can’t get a loan with lesser APR than my credit cards. My salary is $5000 but $1800 goes … more

Every tax season I feel blindsided. My husband and I are both on W2 with TC slightly above $200k, and as all W2s, we have federal tax withheld in paycheck. But every year when we file taxes we still o… more

Every tax season I feel blindsided. My husband and I are both on W2 with TC slightly above $200k, and as all W2s, we have federal tax withheld in paycheck. But every year when we file taxes we still o… more

I'm 42 with no retirement savings.... any tips on where to start?

Hey all - in the past two weeks, I put money into my IRA and converted it to Roth for 2023 tax year. The Schwab rep I spoke to said that since I did the conversion in 2024, I won’t get a 1099 for 2023… more

Tomorrow will be my last reduced paycheck. Been contributing the max we’re allowed to my 401k until it maxes out for the year.

I accidentally contributed to my Roth IRA not realizing my income was too high to qualify.

How do I amend ? (It was only $1,000)

Anyone here has their Deloitte Vanguard account linked to external accounts and use Vanguard to view their consolidated financial summary? Is that a good option OR should I use something external such… more