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Offer questions and experiences related to personal finance and investments
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Pros/Cons of dropping $625k into VOO all at the same time instead of putting it into VOO in chunks sporadically over time? I plan not to to touch the money for at least a decade.

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Should I try FBA?

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I have $150k for student loan. Do I buy a 270k apartment now with down payment and rent it out, or pay off my student loan asap first?

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We are going to upgrade to a new home in the next couple years. We have no debt other than 140k of mortgage, home value about 350k at 2.62%. 100k in taxable brokerage account and 60k in cash. Should w… more

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Has any one used Vangaurd Advisor services?

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I invest in VOO on different platforms. Is it wise or am I putting my eggs all in one basket? Should I diversify - any suggestions on which other index funds or stocks to buy?

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I just got a new job and I'm trying to avoid lifestyle creep when I redo my budget. With my planned expenses, I'd have about $4000 extra per month that I don't necessarily have allocated t… more

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Updating my will. Do people generally have their retirement accounts go to a revocable trust vs to beneficiaries? Also…Considering establishing a charitable foundation to give away some of my assets.… more

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Anyone have any tips to improving my credit score. Profile:
Age: 28
Oldest Credit: 8 Years
Credit types: student loans, car, mortgage, general credit cards.
Payment history: never missed a payment and never hel… more

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Is traditional IRA to be set up as pre-tax via my payroll? If so, how do I do that - with employer or via Fidelity?

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How much are you putting in your kids’ 529 and/or UTMA every month?

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Would you say your earliest memories and experiences with money shaped your current financial behaviors and beliefs?

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Looking to buy next year (7/1 timeframe) and going to have to pull about $50K out of a taxable brokerage to hit target downpayment based on my budget estimates. Would you suggest selling evenly over t… more

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Which is better:
I have a 401k at my current company that I actively contribute to as well as an account that I no longer contribute to, that I had set up during a time I was laid off; this other account has… more

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Cash vs finance for car? What is the break even? 40k for car and I have the cash. Let’s say interest offer is 7%. Let’s say I can make 9% in the market. But won’t I have to pay taxes on the growth? So… more

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401k contributions: I started getting a new idea and wonder if anyone here has tried it before.
For several years, I used to contribute traditional pre tax but maxed it out. I’ve been hearing the contr… more

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Hello! I’m new the the seen and I am only 22 and I have a good amount of money saved up that I’m ready to invest… I was told to start with CDs But also, I’m getting a lot of runaround from a whole lot… more

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Dumped a lot of extra $ (too much sitting without being invested) into S&P 500 funds last week - am I going to regret it?

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Went to ER and got hit with super high bill, I have paid most of it but have not paid one bill which I don’t agree with. I tried talking to hospital but they refused to waive it and I refused to pay. … more

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In my portfolio, it’s primarily index funds and equities (Let say 95%). I would like to reduce the risk and balance it better with time ( Let day limit equity to 60-70%) . What can be a recommended st… more

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Was recently given $1m cash as a gift from family and was wondering if dollar cost averaging it all into the following over the next 2 years is a good idea:
75% VOO
20% VGT/QQQM
5% VXUS

I’m currently 29 s… more

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Favorite HYSA? & other than interest rate, what do you think makes your choice better than the others?

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I have 32 US t bills maturing in August through fidelity that I’d like to sell. Minimum quote is for 50. Is there a way to get a custom quote? Does it need to be through the phone? I can’t seem to do … more

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What to be aware of with early 401 k withdrawal? It’s desperate times. Been unemployed for almost a year (yes, I’m spending every day applying to jobs, reaching out for referrals and networking but st… more

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From a financial perspective, is it worth putting your kids in private school?

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Need insight if the way I have my 401k is looking good. I’m 40yr old.

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Is there a way for someone w/ roughly $1m liquid to get access to private market investments in early stage companies? Open to investment size of $50-100k per investment.

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What is a VOO/VTI equivalent in Fidelity?

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Hey you all I hope everyone are having a good day.. I'm making this to see if anyone could help with any idea about what to study or what to get as a certificate that doesn't long too much.I&#… more

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Hi all - I am thinking for financial advisor services. All of they charge 0.9 to 1.5% for funds between 100k to 500k. I am looking for 0.5% fees? Which firm can help me with that?

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My financial advisor who handles my taxes had my payment scheduled out of a wrong account in which I no longer keep money. I had instructed them to use a different account and they failed to follow my… more

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Just got hit with an $8k hospital bill on an ER visit for my wife. Any tips to getting it reduced? I’ve heard let it sit for 6 months before contacting them and see if they’ll take a lesser amount. Or… more

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We recently sold our house and have some cash to invest. What are the good investment options to explore? Also, investing in a 10 yr bond makes sense at this time?

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Best ways you can start investing? I want to grow my money but haven’t tried investing yet. How did you start?

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Is it worth loading up on 30 yr US T if the rates are going to drop by 2% in next 3 years?

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Grant thornton is making me cash out or roll my pension ($5500). Should i take the cash, roll to my currenr 401k or something else?

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Anyone have experience with Orion 180? Looking at their homeowners insurance policy

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What would you do? Just hit with about $7k in unexpected expenses from car and medical. I can just pull out of brokerage account and pay cash, but then I'm less than 3 months of emergency expenses… more

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When you use compound interest calculators to forecast your potential total invested assets in X years, what rate of return do you use? I know 7% is the inflation adjusted historical average rate of r… more

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I get ESOP bonuses every year but if I buy X amount of shares in the company outside of that I can join “the board”. What is the advantage of this? All my financial eggs will be in one basket if the c… more

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