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Offer questions and experiences related to personal finance and investments
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“The stock market is a device to transfer money from the impatient to the patient.”

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Have any of you invested in a hard money loan in the past? Have an opportunity to get in on a loan where I’m putting in 26k at 13% APY for a fix and flip. Trying to evaluate the risk and looking for w… more

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My dad recently passed away and left a life insurance policy behind for my mom. Any guidance on what to do with the money? It was from a whole life insurance plan. Is this tax free money?

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Need an outside perspective. HHI 900K with stable jobs (both got big raises in the last 3 years) and 3.3M NW (mostly liquid). We live frugally and are saving well over 60% of take home. 1 kid and plan… more

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If I haven't received my tax refund yet and need to submit an amendment, is it best to do it before I get my refund, or after? I'll still have a refund, just a lower one. Any advice?

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Any recommendations for a good broker services for UK stock investment?

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Does anyone know if opening a Roth IRA through Fidelity is compliant with EY’s independence? I know I can “ask independence” but they take forever to answer questions. Was hoping to get a quick answer… more

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My aunt has a Financial Advisor (through one of her home country’s main banks) that charges her a flat 0.7% fee on all invested capital (excluding cash balances). On top of this, there’s an extra 0.5% - 0.7% depe… more

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We close on our first house this week (WOAH). What are things you wish someone told you when you bought your first house?

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I'm creating a plan for an emergency fund and wondering, should I factor in state unemployment benefits I would qualify for if I lost my job?

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First time home buyer! Suggest any tips to save tax or any other benefits. 2023 interest payment was only 6k for 2 months so went for standard deductions.

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Should I live pretty frugal and knock out 74k in student loans within the next 5 years? I make a little under 50k right now and would like to know your thoughts

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I keep buying really dumb memecoins and I keep making 20x my money

What is this called?

smartfunnylike

I’m currently 18, and have 10k im looking to invest. I’ve been looking at $VOO, $VTI, $JEPI, and $SMH for long term as well as a few individual stocks, any others I should checkout?

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What easy to get jobs would you try to pick up short term if you immediately lost your job and had to make ends meet?

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Looking for handyman work!!!! You name it I can do it♾️

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What would a million dollars mean to you even if you get to keep your job?

@Everyone

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Made the permanent move to the US in Q1 2022, and opened a traditional IRA for myself and my spouse. In 2022, she was 30 and I was 35. If we maxed out our contributions from 2022 until retirement (age 65), at a 7% return we … more

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If you and your wife combined have a 1MM net worth, is your individual net worth $500k? How do most people determine this when accounts are combined in a household? If somebody asks you what your net … more

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The 2023 elective deferral (employee) IRA contribution of $22.5k is completely separate from the 2023 $6.5k IRA personal contribution limit right? Just want to make sure that the 22.5 isnt including t… more

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Best ways to realistically make good money going a different route than traditional 9-5 corporate job after being in the industry for a decade?

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Anyone know a good self directed Ira that I could do a stubble private equity investment in? All seem to have a lot of fees for one investment

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Is it a bad idea to get a $700 flatscreen TV? I only make 800K a year and I can’t figure it out someone help me make a decision please

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A very good friend of mine wants to partner with me in an LLC for rental properties. We're both young & just starting out & the combined capital would make things easier. I think he's … more

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I have associate degree in health addiction. What kind of job can I get? without going back to college

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Anyone run into immigration issues with new ck mint platform? Finally just said migrate this morning and seeing a significant drop in NW between yesterday and today. Anyone figure out in this shit UI … more

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How much is everyone investing in brokerage after investing in Roth IRA? Do you invest monthly. Quarterly or in one or two lump sums per year?

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I am currently sitting on $50k in savings. For 6months emergency saving I would have about $32K left to invest. My issue is 1.) I am a freelancer and the market sucks, what if I need even more?!! 2.) … more

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Is it a bad idea to get a $70k car?

Tc of $550k for my portion (household tc of $1m) and no kids and own my home. mortgage and taxes all in for my portion is $3500.

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I’m starting to invest in the stock market this year and am in my early 40s. Got a late start for a variety of reasons and curious how much everyone has invested from a $$ perspective in direct brokerage (excluding 401k / I… more

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My future in-laws are a couple years out from retirement, and are interested in speaking with a retirement advisor. They have asked for my help to find someone. Frankly, I’m not really sure where to begin looking… more

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Hi! I am 27 and trying to decide how much of my money to put into index funds. I currently have 100k in a HYSA but not sure how much of it I should use for index funds. Also any index fund recommendat… more

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Greetings all. I am beginning to get more seriously into investing in stocks, ETFs, etc., but admittedly I am a novice.

I want to be very careful and thoughtful in my approach to investing, so that starts with … more

likefunny

Anyone bought a property in Mumbai, India for investment purposes, given the interest rates here was thinking of buying something there for short term. Any thoughts with folks who might have done that… more

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Hi! I’m looking for ways to save & invest. I’d appreciate advice on how to invest money saved in HSA, 401K. Should I open an IRA next? Invest in stocks? Would appreciate any advice and rationale b… more

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Do companies like Booz Allen Hamilton offer compensation packages with shares and stocks? If so, at what level of experience does the individual need to have, in order to have such talks?

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Does anyone know if the used vehicle tax credit applies to vehicles purchased with an MSRP above 25k? Just reading now that it is supposed to be for under 25k, but not sure if the rules changed recent… more

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Tax question: 24M who used tax slayer last year. This year going to do the same or do Turbo (I’m lazy, but should use parents accountant but it’s getting late).
Issue: I bought a tesla in January 2023 and got rea… more

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Can anyone who has filed for federal tax extension share their experience on how it works? What if you owe taxes? How do they calculate penalties if you owe taxes and can you pay some approximate amou… more

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