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This is a space for you to ask questions and get advice related to anything about debt management, financially planning for a family/college, negotiating salary and income, and investing. We will host several guest experts to provide targeted support. This initiative coincides with Mental Health Awareness month and is a safe space to ask questions. Help others by commenting when you can. This pop-up bowl experience will close on May 31st. Enjoy!
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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

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Lease vs buying a car? Is it worth buying given the high depreciation rates these days?

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Looking to purchase a new truck. A few options I’m interested in - Land Rover 3/4(not Range Rover), Lexus GX truck, Jeep Wrangler, and Escalade. Any pointers I should think about/suggestions I haven’t… more

Those of you who have guilt-free spending budgets or specific buckets for saving (eg travel, clothing etc)- how do you manage/ track this in practice? Like is there a separate place you keep these funds?
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I've never really paid much attention to my own finances until I finally got a decent job. As an accountant I feel like I ought to know more, but I embarrassingly don't.

I have 70K in a regula… more

Hi fishes, would be grateful for some suggestions as I’m worried out about having enough funds for retirement. More in comments.

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Is it a wise move to pay $600k downpayment for 1.2M home considering rates are high or shall I pay 20% and rest in the market?

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I was wondering if I could get some advice on where I’m at financially and what to do moving forward?

Investments - ~19k (Depositing $500/month)
Retirement - ~52k ( Defer 7% and deposit $150/month to ROTH IRA)
Savings - ~27k (Deposit ~$750/month but do dip … more

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What are your thoughts on potential future student loan forgiveness? Are you saving $10,000 in student loans for the possibility or just paying it off as soon as you can?

likefunny

Can someone explain the difference between a backdoor Roth and a typical conversion to Roth? I'm trying to set up a/some IRAs but I don't understand the difference.

How would you invest your money? Assume 401(k) is maxed out and you have no living expenses. What would you do with your salary (assume high risk tolerance) 200k/year?

Have been reading over posts and quite amazed by some of the NW figures amassed by some of the people on here, huge congrats to you!! I’m curious to know specific strategies you all deployed to increa… more

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Currently in management consulting and am paid relatively well, but I want to retire wealthy - say $10-15m. What careers will render that kind of money?

funny

For those who recently purchased TESLA ot any other EV with $7500 credit, do you get a full rebate if your income is below the MAGI threshold? or is it phaesd out as it gets closer to MAGI ? For examp… more

If I want to buy a house in 16 months, what financial moves should I start making now?

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I am greedy. Is anyone else here greedy? Should I feel bad that so am greedy or just go with it and take the money for me and my family?

likefunny

I am 18 and new to finance. Can someone explain why a 401k is a good idea? To my understanding it’s deferring income tax not reducing the tax amount. Also what if I dont work a corporate job my whole … more

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Salary Deducted Question:

I live in Florida and as of March, my employer randomly started to deduct my salary pay for emergency medical care. I’m a single mother without family in the state, I don’t ha… more

Which one of these are you a believer in long term to increase wealth; stocks/crypto, buying properties, or starting businesses?

likefunny

What’s the fastest way to grow your net worth?

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Anyone ever done debt relief through a company called secure one? The rep told me that I wouldn’t default on any credit card payments but in the same sentence said that I would be paying to an escrow … more

How would you invest my money?

Dual income no kids (23 & 25 years old)

Salaries: 93k (100% goes towards mortgage)
85k (used for living expenses)

We have about 2k extra to spend ever… more

How much does everyone donate to charity as a percentage of pay?

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Has anyone else had buyer's remorse after getting a new car?
I saved up and paid cash, but I bought a really nice car and keep thinking "why do I have this?"
I'm at the point where I want to… more

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So I got a dumb question and need y’all’s opinion. I have saved $60K and had allocated to use $30K for a car. My savings account is earning 5.35%. If I find a car in caravana or dealership for $30K to… more

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How much do you need to earn to live comfortably in your city and what is your current salary? I only earn $65,000 and I am not living comfortably

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Investment resources for newbies?

My daycare is 1600 a month and it’s 10 mins walking distance from my house. I’ve just located another well known daycare which is 10 mins drive from my house which is 1000. But it’s obviously over 45 … more

What are your monthly expenses? It’s for Family or you are single? What’s your monthly income?

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Would you rather have $3m in liquid assets (even split between retirement and post-tax) with a $1.5m mortgage at 5%, or $1.5m liquid and no mortgage?

How long did it take for you to reach from
1. $500K NW to $1M NW?
2. $1M NW to $2M NW?
3. $2M NW to $10M NW?

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What’s with all the hate on young folks with high net worths? Every post or comment I see involving a late 20s or early 30s poster with $1m+ always get the “daddy’s money” snarky jealous comments. For many white … more

likefunny

Best personal finance podcasts for folks who are NOT “beginners”?

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