Personal Finance Bowl

Has anyone had experience with filing bankruptcy without it affecting the other spouse? Separate bank accounts, taxes filed separately, etc. Their parent put a lot of debt in their name illegally, mess of a… more

I somewhat stupidly have a bunch of money saved up in a HYSA (~100k). I don’t think I attacked personal finance correctly but now am wanting to get on track. My dilemma is: do I just dump all that mon… more

Would I be an ***hole if I had my friend rent a car?

I have friends traveling out of state to a cabin near me for a weekend trip to celebrate my birthday.

I paid $1400 for the cabin & am not asking them to cont… more

I have about $70k of gains in VTI.
Getting pressured to take out the gains and bank it by my spouse.
I’m not that savvy about investing - I’m a set it and forget it type mostly in VTI/VOO.

Is the con… more

What is everyone’s view on families on a single income with the mom being a stay at home mom or both spouses working? Does it pay off to have your wife at home with the kids or are you better off with… more

Is it common for a short term (3 mth) loan mod to have a balloon payment even if the bank is saying they'll reassess after the 3 months? This is for a family member on a car loan and I'm just … more

Do you sell your most recent RSUs or do you wait until they’ve been awarded for over a year for tax purposes?

I’m in the 32-35% tax bracket, and RSUs are fairly new to me. I plan to sell a chunk for property in th… more

I LOVED using intuit Mint app to track my spending but now that the app is moving over to credit Karma what is the next best app to track finances, net worth, etc?

STUPID QUESTION! Can I use fidelity to invest into a 401k and an individual Roth IRA all on the same platform?

What’s a good amount to have in your 401K at age 28?

Normally I do my own taxes. However, I'm at a bit of a loss this year.

I'm trying to figure a good way to work into the analysis potential changes in Student Loan payments under SAVE vs the potential additional tax l… more

First time home buyer here - Any advice on getting finances ready to buy a house in HCOL area? Wife and I make decent amount (about 350 household income). How much is a comfortable amount to put in do… more

How much does everyone think they need to save before they can retire?

Hello 🐠

I'd like to open a high yield savings account (Location - USA)

1) Any recommendations?? Thinking of either ally or SoFI
2) Is it better to open a joint account with S/O or open two separate accounts wi… more

What are some tips / tricks your financial advisor / fiduciary opened your eyes to you about? Were there aspects to your financial plan that you didn’t already realize should be priorities?

I consider… more

Looking for advice on what to do with my money. 32, single.

Annual salary: $170k
Student loan debt: 110k (6-7% interest on all)
Savings: $35k in HYSA
No other consumer debt
Maxing out 401k

I live in a HCOL area and want to b… more

$110k TC, divorced (2x), 1 kid still in college (1 more year at $25k). $250k NW (401K, inherited IRA), 60 yo. Beginning to think I should continue to drink, smoke and lead a sedentary lifestyle to mak… more

Is it worth paying off a $5k cc debt that was sold to collections?

Last payment was in 2019. Sold to a collection firm in 2020.

As far as I can tell the company has lost track of me because I don't really hear… more

Does anyone here use Ally Bank? I love them, the only thing that is getting to me is that their Zelle transfers take 1-2 business days instead of transferring instantly like other banks

Looking for advise on saving money I understand is hard now days but it is the ideal thing to do. Any savings plan recommendations?

So, I am turning 38 this year and I have around $6,000 in my retirement plan. I know this isn't ideal. What should I have saved by now?

Anyone with a cat have an automatic litter box? I’m looking at the litter robot 4 - seems to get decent reviews, but it’s ridiculously expensive. Is the $700 justified (I have 2 cats)? And is the qual… more

The amount of comfortably retired people I see who don’t know the difference between their, there, they’re; your and you’re; and too, to, and two just reminds me how much easier it used to be to make … more

I have over 100K located in my old 401K from Fidelity, and my current employer uses Empower as the default 401K program holder. Is it benefit to roll over it to Empower? If it does, is it good to set it up as a r… more

This will be the very first bonus since I’ve started my career where I have NO DEBT. No student loans, no car loan, no credit card debt, etc. I have two homes; one that’s a rental that my sister lives… more

Can someone (e.g. electrician) send you to collections if they initially quote for $x and after the work ask for $x + $y without any given notice and you disgree to pay the additional $y amount?
Basically, I am … more

Folks in California, Washington state, Oregon, Nevada, Montana, and Minnesota:

How much percentage do you tip at restaurants in these states?

I expect to travel to some of these states in the coming mon… more

How much r everyone saving in 529 college funds.
I have a 1 year old so thought I would open one.
But how much to contribute monthly is a question.
Any tips and some information on what you are doing… more

Hi everyone. I’m looking for feedback on how I’m doing financially. My friends and I don’t talk about how money. So don’t know what’s normal and what’s good. I’m in tech sales and Canadian 27 year old.
more

What’s the best way to get an accurate market value of your car to include it in your Net Worth?

overwhelmed with where to start to manage my finances. 4 years ago I had 30k saved now have 12 in my emergency fund. I had to pay down cc debt but mainly its school payments. I have a 401(k), budget i… more

If we want someone to help us maximize tax savings for investments and retirement, what is the most appropriate service? Someone who files our taxes and gives tax-specific advice? Or is a general fina… more

Does anyone have experience with financially supporting parents or parent-in-laws? Is this factored into your budget and how do you approach it? My boyfriends parents are asking him for a few thousand… more

If anyone needs a HYSA (5.5 with referral for 3 months) from Marcus (Goldman Sachs)- please comment or DM

I need to convert my post tax 401k either into Roth 401k (through my employer) or Roth IRA. It sounds like Roth IRA would give me more flexibility in the future (I.e. withdrawals prior to retirement i… more

We're helping our daughter select classes for her sophomore year. As an elective she can pick a personal finance course or an adult living course aka home ed there's a cooking class or a class… more

My husband recently switched jobs. He has 45K in his 401K (we’re 27). Fidelity sent him checks to import into his new 401K (Vanguard). But before he did so,he considered paying off his 15K in student … more

We are buying out our car lease in May. Any tips/advice for financing a car? How much to put down? Terms? Credit score? Thanks!