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Offer questions and experiences related to personal finance and investments
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“Don’t buy the stock market rally”, Morgan Stanley warns. Such self-serving BS to get retails investors to panic or sell so they can strike at the right price. Wonder why nobody trusts Wall St

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I don’t understand investing and everything that goes along with it but I desperately need to figure it out. I maxed out my contributions last year, as I thought that was the best thing I could do wit… more

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Need a suggestion about investing in a fund for baby.

Hi, I would like to create a fund (or some kind of investment that grows with the kid) for my little one as a birthday gift. Could you… more

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Where can I invest in VTI/VOO? I have my money in Robinhood but I don’t like that you can’t assign beneficiaries

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I think I get it but was hoping someone could confirm. Is the current SoFi deal you get $250 if you open an account and put in $5000 min for 25 days? And then it’s a 3.75% internet rate as well

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I did backdoor Roth from traditional IRA to Roth IRA, and already purchased mutual fund with that contribution however, I don’t see the transferred amount from traditional to Roth IRA reflecting in my… more

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I am looking for a $25-50k SBA loan and looking for lender recommendations based on your experience. For context, I live in Atlanta and looking to purchase an online marketplace. TIA!

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Do you need college to be successful? What do you guys think?

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Why do car dealerships exist? Why isn't it like any other product where prices are set?

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Can a car dealer sell cars below msrp?

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Start to feel that one will never get rich by working / exchanging time for resources (one can get to upper middle class tho by choose the right career path & work hard). Need to own resources to… more

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I'm currently 23, living at home with family and have little to no expenses. Is it a smart decision to max out my 401k and Roth contributions? I'm pretty new to this and am genuinely curious. … more

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I have $120k in savings account and currently paying a mortgage at 4.85%. Should I put the money towards the mortgage or are there other low-risk options with higher rates?

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Hi all, I am trying to use YNAB but my spouse and I keep finances separate and use Splitwise regularly. I can NOT manually reconcile every Splitwise transaction; it would take wayyyy too much time. Do… more

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If I want to buy a house 2x value of my current house but want to wait 2-4 years, how do I best hedge against price increase? Assume I can afford it today but want to wait.

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Home buying question: how much annual salary should I aim for in order to purchase a home? Seeing that mortgage is around 5-6k a month, would a 140K salary be enough? (Net monthly pay would be ~7.5K) … more

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Can I do the backdoor Roth IRA if my income is going to be above the limit? I don't know what my bonus will be this year, so in thinking I should just do the backdoor so I can contribute the money… more

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If you don’t qualify for a Roth IRA, what is the recommended investment after maxing out traditional 401k? Traditional IRA?

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Advice needed! What would you do? I have an unexpected tax bill due after recently filing my taxes, $5500. It’s due to wife’s pay not being tax deductible by mistake, will correct going forward. To en… more

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Can someone help explain the benefit of contributing to post-tax 401k after maxing out Roth (i.e., to go over the $22,500 limit)? How is this different than contributing anything over $22,500 to a bro… more

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Should I expect a tax refund for buying a home? If so, how much?

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Hello folks….I’m trying to understand if there’s any work around to work the AGI limit of 300K to be able to avail the $7500 federal tax break for an EV purchase - the Tesla price cuts have been intri… more

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Can I contribute money towards my kids IRA without they earning any income? For context, my kid just turned 5

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I have 50k I need to move from checking to HYSA. Will be buying a house in approximately 12-18 months, depending on how the economy and housing market shakes out this year.
I’m seeing SoFi and Ma… more

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VOO vs VTI. What’s your preference?

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If I am only investing into VTI each month this year am I better of using the Vanguard brokerage account instead of Fidelity or does it matter? Have my employer 401k with Vanguard.

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If anyone needs a credit card referral for BILT Mastercard then let me know

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What is the one thing that you guys do for self improvement consistently?

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I invest $1000 per month in stocks and below is my split. Any modification suggestions are appreciated. I started this month and plan to follow this for the next 5+ years.

VOO 100
VTI … more

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Any downside of getting a bilt credit card? If not, can someone please provide a referrer link?
I am not able to find a link of website which provides best hysa, credit cards l, etc. Can someone … more

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1/2 Will you co-sign a student loan for one of your closest friends? We’ve known each other for 20 years. She is trying to get into nursing school($60k) and is getting about $32,000 in financial aid b… more

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What is today’s equivalent of a 100K salary during the 2000’s? I recently hit 80k in Texas and feel great as a young adult.

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For people using the Utah 529 plan are you able to set up recurring contributions from 2 different bank accounts? Say the account owner and another relative? I find it kinda frustrating you can’t do t… more

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I have a house closing coming in April and want to save on some cash. Just did a rough math and looks like I owe ~7k to IRS for 2022.
Can I delay filing my taxes to like May or June? How bad is … more

likeuplifting

Wanted to buy gold and didn't pull the trigger last fall, and now it's up again 🥺🤷‍♂️

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Is it possible to not pay an income tax January to September, then full it all in the last 3 months of the year to avoid underpayment penalty?

So my take home is very high first 9 months, a… more

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Will I lose value if I rollover a 401k to a new employer?

If so, is there any way I can minimize the loss?

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Vulnerable post: I’m almost 30 and have nothing to my name. I have 35k student debt and nearly 15k debt across things like credit cards & personal loans. I’m watching my father get old after almos… more

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Which stock do you recommend and how long have you had it? What was your initial investment and your current savings and how long did it take you?

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