Personal Finance Bowl

My dad is bad with money. He's 67, has no retirement savings, and gets by with a PT job & social security. He is about $25k short of owning his home outright & currently rents it to a fami… more

I am in deep waters here. I am addicted to options trading and have lost $55k in 1.5 years. I have a base salary of $100k, $20k in 401k and $70k debt

I lost $30k in 2024.

I am 28 and it’s time I stop n… more

How much do you guys have in your HSA??

Have been making over 500k for the last 10 years and I still can't save anything. It's tough out there. Not sure how people save anything. Makes me angry towards the rich because they seem to … more

I have a credit card with a 0% interest promo that is ending in 2 weeks. I'm currently on LTD and planning to return to work next month. There have been a lot of changes at work that I've pick… more

Do you recommend opening up an Annuity account ?

Does anyone know if anyone is hiring in bayonne nj or remote? I keep looking but i need to be certified for most of them and i don't have any and i have no idea how to get certified, i have my ass… more

I need to get better with budgeting. I’m looking for help in a few areas:

1. How much should be in checking vs savings?
2. My Landlord is in her 80s and just gave me my water bill from 2022 and 2023, it’s about 1k-… more

Can anyone help me get job at KeyBank? I have a lifetime of customer service and sales experience and bachelors degree. I can't figure out why I can't get even entry level teller or personal b… more

Probably not thinking about this right, but why do people say you’ll get a large return on your bonus come tax time? If your MAGI is in the 22% bracket, wouldn’t the standard withholding(22%) for your… more

Any pointers for negotiating a lower APR on my credit card? It’s jumped from 22.99 to 28.24 in 4 years.

I’m buying a house at this current 7% interest rate and selling my current house which I bought at 2.8% rate. Is this a really stupid decision?

Is there a way to find the standard money factor for a car and or car brand?

My spouse and I have a budget, with some flexibility to spend beyond it. However, I really struggle with keeping to a reasonable spending range. I overspend almost every month and it really stresses m… more

I work in consulting - currently salary 105k. I hate it, though, and am expecting a layoff coming up ahead of the new fiscal year in July. My heart is in health care and I’m thinking of making a switc… more

Not sure what bowl this should go to, but my HOA fees have gone up 40% across 6 years. What's the best to ensure my HOA is acting in everyone's best interest?

💵How's Your Wallet Doing? 💵Share a photo, meme, or emoji in the comments showing the state of your personal finances right now.

I purchased the 100 envelope challenge binder and I’m super excited to put it to use. I do use traditional savings but figured this would be a good fun way to get more serious.

I have been getting hounded by AARP... I'm 37, what age did everyone sign up?

Just got sent to collections over a $95 electricity bill from my old apartment, I paid right away bc I had no idea it even existed but they said they already contacted the CRA. how fked is my credit s… more

I have a job offer for anyone interested in working remote from home it’s an advertising for my company and we pay $800 weekly contact email at {jasonbowden983@gmail.com} for more details.....

I have a TON of credit card debt and I’ve been trying to pay it down my whole adult life. Also started a FT job with 401k matching 6m ago. I’ve lowered my contributions to 2%. Does it makes sense to l… more

Can you draw social security on a deceased spouse that you were married to for 18 yrs then also draw my own at 70? I’m currently 62 😆 I always thought you had to chose between the two but was told yo… more

I'm 49 and I have nothing saved for retirement. Over the years, any money I would save in a 401k, I would cash out due to an emergency -- car break down, being out of work, etc. Now I have 15 to… more

Mortgage vs. Investment Account Question:

We are in the process of buying a house and have the option to put anywhere between 0-20% down at 6.9%.

We also have a managed investment account that gained +17% in 2023,… more

Does it make sense to buy if you aren't sure you plan to stay long term?

My rent was $800. Apartment was small and dingy, but cheap and allowed me to pay off everything but student loans and buy a car. Now, ne… more

I will have ~$30k in savings before EOY. My funds are currently in a regular savings and I am looking into opening a HYSA, because I know I’m missing out on potential earnings with the regular account.

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💲Who's Ready for Retirement? 💲How much money does everyone have saved up for retirement vs. how much do you think you still need to save?

I earn 75k and my spouse earns 130k; we file "married, separately." My employer doesn't offer 401k but my spouse's employer does offer. Due to "married filing separately" status. I understand I wo… more

Should I keep a separate retirement or savings account from my husband's?